PayPal resolution!

[Imran]

Dear Imran Baig,

We were notified recently that one of your buyers used an account that
has
been associated with possible unauthorized credit card use. Please help
us
resolve this case for you as soon as possible by reviewing the
transaction
details and the steps for what to do next described below.

As you may know, credit card companies under certain circumstances may
hold
sellers liable for chargebacks unless they can prove they sufficiently
fulfilled the terms of the order. PayPal understands that chargebacks
can
be frustrating and we're here to help you work through this situation.
With
your cooperation, we will assist you in disputing this chargeback.

If you're not familiar with chargebacks, please visit our Resolution
Center
and click the Learn about chargebacks link.



Because the owner of the account has initiated a chargeback, we have
placed
a temporary hold on the funds associated with this transaction until
this
case is resolved. This action was taken in accordance with the terms of
the
PayPal User Agreement.

--------------------------------
Details of Disputed Transaction
--------------------------------
Buyer's Name: William Stephens
Buyer's Email: wste7632@yahoo.com
Transaction Date: Apr 16, 2005
Transaction ID: 50783202A2449915H
Transaction Amount: -$8.95 USD
Case #: PP-082-316-033

Please help me what should I do with this problem? I'm just selling a software and have nothing to do with some one uses unathorised credit card.
I have sent them a email telling them that what policy I have and It is clearly mentioned in the site http://pay.winkeyfinder.com/catalog that the software is avaialble as download and once sold we will not refund the money! here the problem is not 8.95$ what should and what type of action should I take? lease any suggestions?

[ashiezai]

hmm .. that's weird .. You can check your paypal history or receipt to make sure the amount and if the amount is not correct, complain to paypal.

I've seen several cases like this, and paypal will do the chargeback no matter what you say. So it's better not to have too much money in your paypal account anytime.

Sorry i cant help much. Maybe some1 here can help you out.
Just be careful, chargeback can be easily done using 2co and paypal. Althought paypal doesnt like chargeback

[mushroom]

account that has been associated with possible unauthorized credit card use.

I am afraid your out in the cold, unless you can some how prove that the product was dellivered to the card holders billing address.

[Imran]

It is a direct delivery module.
I'm using Oscommerce when you make the payment you are authorised to download the software.
I might be having the logs. I can verify it without any problem! I have I think that persons IP too!

[spdude]

Keep us updated on what happens, Imran. Would be interested in following the outcome of this.

[Imran]

I have sent all the relevent information:
Customer Name:
Date of registration:
How many copies purchased:
Mode of payment:
Downloaded version (how many copie)
How many logons:
And Other details (not posting it for security reason's).
I will not give the money back at any cost, what they think buy the product and ask for chargeback?
or if some one has used the card its their responsibility to use their Cards or anything for that matter carefully!
I'm I responsible? for this? if some one comes with some one else card and buy's a product from my shop? why should I be blamed?

[fryman]

Welcome to Paypal's hell world, imran... happens all the time and nothing you can do about it. I have also been hit by many similar chargebacks, and always end up loosing the money.

[stephfoster]

Happens no matter how you take payments. If a stolen credit card is used even at a store where the actual card was scanned, the store is still the one that loses out if the card was stolen. The card owner isn't liable, and the credit card company isn't going to take the loss, and it must be noted that the credit card company has quite a bit of power in this situation, so the store takes the hit.

[honey]

Visit pay***sucks.com !!

[Imran]

Dear Imran Baig,

Thank you for contacting PayPal.

This information has been noted on the case. We are currently reviewing
this chargeback and your account. Please allow us 30 days from the date of
the chargeback to complete our investigation and determine an outcome. We
will contact you if any further information is needed.


If you have any further questions, please feel free to contact us again.

Sincerely,
****
****,******,****
*****,******

What does he mean by reviewing my account?
Is my account in any form of danger?

[jbw]

Happens no matter how you take payments. If a stolen credit card is used even at a store where the actual card was scanned, the store is still the one that loses out if the card was stolen. The card owner isn't liable, and the credit card company isn't going to take the loss, and it must be noted that the credit card company has quite a bit of power in this situation, so the store takes the hit.

If you take a swipe of the card, and get a confirmation code, as a merchant you do get some prototection. Online... none.

[jbw]

What does he mean by reviewing my account?
Is my account in any form of danger?


Yes, account that get chargebacks are in danger.
Too many and they get canceled for sure.

[Imran]

Why is my account in danger what I have done?
PayPal is the payment gateway. These people are responsible for what ever happens why blame on me? if some one uses unathorised card?
give me a good solution, dont scare me I have some money in that account!

[ViciousSummer]

Why is my account in danger what I have done?
PayPal is the payment gateway. These people are responsible for what ever happens why blame on me? if some one uses unathorised card?
give me a good solution, dont scare me I have some money in that account!Your account is not in danger. The only thing that you are in danger of losing is the money you collected that is in question from the credit card company. Chargebacks are a pain in the a$$ that merchants just have to live with. Paypal does actually try to avoid refunding money disputed via credit card chargebacks, so it is good that you can provide Paypal with all the info you have on the transaction in question. Unfortunately, I'd say the credit card company "wins" 75% of the time. I have had 4 or 5 chargebacks come through Paypal and 1 of those Paypal refused to give the credit card company the money back. You just have to write these things off as a business expense and forget about it, or pursue your customer directly (collections agencies, etc).

[Imran]

Thanks for this information, Now I'm relaxed.
I dont care about the money to hell with it but my acccount has huge money init I will by ordering for cheque now!!
Thanks!

[fryman]

Never leave a cent in your paypal account! Always transfer it to your bank account, paypal can lock your account whenever they want to and you won't be able to touch your money.

[ViciousSummer]

Never leave a cent in your paypal account! Always transfer it to your bank account, paypal can lock your account whenever they want to and you won't be able to touch your money.I've used Paypal for years and have had thousands of dollars processed through them. I have never had any sort of problems. If you are not doing anything wrong and running a legit business, then Paypal can not "lock your account whenever they way". Paypal is owned by eBay and I seriously doubt there is anything shady going on ;).

[fryman]

Oh, VS... just take a look at paypalsucks... believe me, they CAN do it, and they DO do it... no woarning, no notice, just one day you find your account locked and nothing you can do until they do their "investigation". I had 3 accounts locked because of chargebacks. You are a honest seller, then one day some damn crook uses a stolen credit card, and you get hit by a chargeback and get your account frozen.

I never leave a cent in my paypal account now. I lost almost $1,000 bucks
with them.


P.S. Love your new avatar!!

[ViciousSummer]

Well, I've had chargebacks occur and my account has never been locked, so I can only share my experiance :).

Thanks for the compliment on my avatar, fryman!

[Imran]

Lets see what happens, I have stopped selling the software now. Dont want this mess planing to release it as a freeware!! :)

[T0PS3O]

Have you contacted the customer? It could all be innocent and they saw this on their statement and didn't recognise it. So they requested a chargeback. But if you just e-mail them and remind them they did download the software and get what they paid for they might drop the request or pay you again.

If it's not clear from your OsCommerce shop what they can expect to see on their statement, you'll get this more often in the future.

[Imran]

With describing all the details with packing slip, how manytimes downloaded the software and other details such as ip address used during transaction..
Lets see what paypal takes the decission! my part is over!

[mopacfan]

Lets see what happens, I have stopped selling the software now. Dont want this mess planing to release it as a freeware!! :)
I think you're over reacting Imran. Chill out, take a breath and relax. One small bump in the road is not going to have an impact. Like VS said, just realize that these things happen in business and move on. You'll be fine as long as you don't become so obsessed by every little issue that comes along.

[Imran]

I have been told by friends that paypal terminates account with no reason and when they have a reason of chargeback, I got scared becuase I have few $$$ init.
Thanks for your advice!

[T0PS3O]

So did you contact the customer?

[Imran]

I have sent an email to the customer's email address which I have, still no respone!
Waiting for reply!

[Imran]

Transfer To Chargeback Settlement May 25, 2005 Completed Details -$8.95 USD -$10.00 USD
This sucks they took 8.95 plus my 10$ :(..

[ViciousSummer]

Transfer To Chargeback Settlement May 25, 2005 Completed Details -$8.95 USD -$10.00 USD
This sucks they took 8.95 plus my 10$ :(..Yep. That does suck. But it is the cost of doing business. I'm sure you had many successful transactions , so don't let one bad apple bum you out. :)