Well i sold an account for an online game to an individual who contacted me. He paid first and i provided information and as we both agreed he did claim and cancel after i gave him the information. It seemed all had gone well and I even had purchased something for around 170 odd dollars. The next morning I get an email about an unauthorized transaction. It turns out that the person filed an unauthorized transaction over the 1600 dollars that he had paid me... Right now what i'm trying to figure out is what will happen. I called PayPal and told them to check IPs and that whole bit and they said yes that the fraud team is performing these measures to ensure that. Also the representative assured that I would be covered if the individual did make the payment.. The only problem was the PayPal representative said that the PayPal account(s) that he paid from could have been stolen and if that were the case they would have to return the money to the individual(s) that the person stole the PP accounts/money from. So either i get my money back or I'm left without my account + a -170 dollar balance. Right now i'm sick to my stomach and have no idea what to do. Please help guys.
There is nothing one can do in such circumstances except wish that the buyer was actually the account holder himself! When dealing with large sum of money, always deal with the trusted people and try to deliver the service to the same email id through which the payment has come to you. You just have to limit the chances of getting defrauded! Regards, RightMan
If your buyer has cheated on you and he/she has paid you from an hacked paypal account, I wonder how can a verified status would be of any help? Regards, RightMan
I've had a few unauthorized payment claims myself and I've won most of them (I'd say ~90%) without even responding to them so I believe PayPal checks the buyer's account for signs of unauthorized access (IP logs, brute force attempts on the account, who knows) and if they can't find anything they award the dispute to the seller. On the other hand you sold an account to an online game, which falls into the category of "intangible goods" and therefore you are not protected under their sellers' protection policy. This could swing either way, but I'd say you're lucky. If the buyer would've claimed non-receipt, you definitely would've lost the dispute since it would've been your responsibility to show proof that you shipped an item to the buyer's address (eg. a package tracking number or a delivery confirmation note from the post office). This way you have a chance
The thing is the PayPal representative assured me that i was 100% covered. He said the fraud team can gather enough information to determine this. I provided the email addresses and what not and they can get the logs themselves. They will also be checking the IP addresses and what not. Right now I'm confused as if the PPs were stolen (i really pray it wasn't) i will be in -172 dollars...which will be horrible. Does anyone know if PayPal makes you pay this or do they only disable your paypal account?
From paypal's website (google 'paypal seller protection', first result): What's not covered * Items picked up locally or delivered in person * Services, intangible items, and digital goods * Claims and chargebacks where the buyer says that the shipped item is significantly not as described Personally I don't really trust paypal representatives because I've been given wrong information before, but I hope he's right and you're covered.