The latest word: Chargebacks
Twice now on this community, credit card companies have opened disputes on many sellers all at once, sometimes stealing hundreds of dollars back for shipped and delivered merchandise, without the buyers even realizing it until it was too late. This came months and months after any dispute limit had passed, shocking all involved. Despite initially thinking it was a scam on the part of the buyers, we now know how uncooperative both paypal and the CC companies are with these situations and I wanted to address it here as I am sure it will not end with these two incidents.
★If you are the buyer who's card causes the chargebacks...
-Contact me IMMEDIATELY. If possible, contact all of the sellers involved as well. STAY IN CONTACT. UPDATE ME AND YOUR SELLERS AT EVERY NEW DEVELOPMENT.
-Contact your credit card company and paypal. Be prepared to sit for hours doing this.
-Begin to prepare the funds to pay the sellers back. I say prepare the funds because the stolen money will probably not be immediately returned to you. It is quite literally, stolen, and exists in a limbo, as far as we know.
-You will need to prepare to accept these responsibilities if you pay people with a credit card. To avoid it ever possibly occurring, do not pay with a credit card.
★If you are the seller who has lost money to a chargeback...
-Try to remain calm, but be prepared to potentially not get your money back for a long time, if ever, depending on how cooperative the buyer is.
-Do not begin to attack the buyer, or send threatening messages, or anything of the sort. They are probably innocent and we must assume innocence until proven guilty, and it will only hurt the process to vilify them. If the buyer is uncooperative, it will be another story. Either way, things will not begin to move quickly.
-Call Paypal. Ask them your options. If you did not have tracking on the package, chances are they will be extremely uncooperative and not give you any options at all.
-To avoid this ever occurring, automatically require tracking on any packages you send worth over a certain amount. This is only a suggestion, not a new rule or requirement. If you don't sell often or live in a country where the only tracking options are very costly, I would not worry too much about this. If you sell a large amount each month, consider the amount you are willing to risk and automatically get tracking on packages over that amount.
Remember, this is a rare occurrence, that has only happened twice in our community's history (for the five people still affected by the first one, make sure you read this and check the status with dinictis), though I am not sure how often it happens outside of here. It can also be avoided, so if this gives you true anxiety, look into those avoidance methods to help!
Please also remember if you are having very worrisome trouble with a buyer or seller, report it to a mod privately or on our Problems and Concerns reporting Post. If we feel a problem is becoming widespread, a community notice may be in order. This is why it is vital to contact buyers if you are having a shipping delay of sorts. Do keep in mind however, that mods have no power to get money returned. That is in your own hands, and it is why we stress keeping track of transactions and opening disputes when you feel it is taking too long, with or without a moderator's warning, notice, or approval. Naturally we will give advice if you ask. But it sometimes can take a few days for us to respond, so if you need to act fast, open the dispute! You can always close it later.
Also, our Community Suggestion Box has been doing well! Check it out!