It has been a most humble day in my life. i have been long time premium verified paypal seller and have never received any chargebacks. One day out of the blue, i received about 20 chargebacks in a singleday as “unauthorized”, all from a single customer. I received paypal case notifications coming all day from paypal that the buyer filed for dispute with their bank and the bank reversed all the payments done for whole months of July and August. The guy paid all payments using credit card, i found out later. The buyer bought $25 express submission and though i did approve and publish all the submissions in my website, yet got chargebacked. The chargeback reason code paypal sent me was 177.
All these notifications and chargebacks, kind of freaked me out because not only i will be paying $10 for each chargback plus the refund amount, it really hurts my reputation as a seller. i really fear that paypal one day might think that my account has high risk because of chargebacks and may possibly limit my account. Without paypal, i am screwed and my business is screwed.
Worse yet, all these paypal notifications landed up on my gmail spam. I initially thought it was spam, but later when i logged in to my account, i found out it was genuine.
I know its impossible to fight chargebacks because of intangible products, i did my level best to provide paypal screenshots of email correspondence and the buyers submissions etc. i spent the whole day uploading screenshots to paypal for all the 20 chargebacks.
Case received: Case ID: PP-001-xxx-xxx – A-A001
Dear Michael,
We were recently notified that one of your buyers filed a chargeback and
asked the credit card issuer to reverse a payment made to you on
29-Jul-2011.The buyer claims that this purchase was made without authorisation to use
the credit card. Their credit card issuer needs additional information from
you about this transaction.——————————
Transaction Details———————————–
Buyer’s Name: xxxxx
Buyer’s Email:
Buyer’s Transaction ID: 7MH29xxxxxxxxxxTransaction Date:29-Jul-2011
Transaction Amount:-$25.00 USD
Case No.:PP-001-xxxxxxxx
Your Transaction ID: 5A839xxxxxxxxxx———————————–
What to Do Next
———————————–Please respond within 10 days so that we can help resolve this chargeback.
To respond, log in to your PayPal account and go to the Resolution Centre
to provide information about this transaction.The credit card issuer decides if the buyer’s claim is legitimate. Once the
credit card issuer receives your information, it may take up to 75 days to
make a final decision.Because the credit card issuer has reversed the charge for this
transaction, we’ve placed a temporary hold on the funds associated with
this transaction until the case is resolved. Our user agreement explains
our policies on holding funds.You can learn more about chargebacks in the Resolution Centre tutorials.
———————————–
Other Details
———————————– There are no other details regarding this transaction at the moment.
Yours sincerely,
PayPal
Chargeback Department
