October 19, 2009
PayPal chargeback on a closed account?
NEOne asked:
I purchased an item off of eBay but I never received it. I used instant payment via PayPal so I am protected under the Buyer Protection. Also, I used a credit card.
I purchased an item off of eBay but I never received it. I used instant payment via PayPal so I am protected under the Buyer Protection. Also, I used a credit card.
I would just like to know if PayPal will return the full amount back to me via a chargeback if the seller closes his PayPal/Ebay account and deleted all of his banking information.
Will it be possible? I’m just a little worried right now.
PayPal has this little diagram on the PayPal help site that depicts how the money is transferred. The first step towards a successful chargeback is from PayPal’s merchant bank to the buyer. Is this true? What happens if the seller does not have any funds? Will I still be safe?
Thanks!
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Comments on PayPal chargeback on a closed account?
It is quite possible that an unethical seller can get away with this. This is a perfect example of why eBay shopping and buying things on-line is quite risky. Many people never have problems. Some do, and when they do it’s truly awful. Next time, buy from someone in person through craigslist or a brick and mortar store.
So, first of all Has the seller deleted himself from eBay? Has it been less than 45 days? You can file a dispute with eBay and go from there. Also, check the credit card company that you used and see what they can do for you. If the seller is still on eBay you need to write to him, thru eBay, and if not, put together a dispute.