Can You Fight PayPal Credit Card Chargebacks?

18 replies
Well, some ass basically decided he wanted $225 of free work so 2 months down the road he put in a dispute as "merchandise not received".

I did the whole PayPal Specialist call and they told me they would fight in my behalf but it was going to be up to the credit card company. I explained it wasn't merchandise but it was for virtual services and they passed the information along the to credit card company but they took $225 and a $20 processing fee out of the account, along with $15 and a $20 processing fee for that too...

How do you fight credit card chargebacks? After going into deep research about the individual, this isn't close to the first time they've done this.. I would have thought PayPal could see their chargeback history and think "hrm, something might be up with this person."

Anyone else have experience dealing with credit card chargebacks? I would really rather not do $300 of work for free just because some dick wanted free services.
#card #chargebacks #credit #fight #paypal
  • Profile picture of the author salegurus
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    Think of how stupid the average person is, and realize half of them are stupider than that.

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  • Profile picture of the author JohnyEnglish
    I always faced this kind of problems before when i've made orders from supplier.. As i know you can't make chargeback for debit card only.. But if you made transaction with credit card yes you can but it's depends on your credit card company to handle this problem..
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  • Profile picture of the author amunt
    Totally sympathise with you. I just had someone do a chargeback saying that their credit card had been used without their permission. To add insult to injury PayPal charged me an admin fee when I refunded the money. Needless to say I got nowhere trying to get redress.
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    • Profile picture of the author Andrea82ss
      I've never been able to fight it actually... but if you find a way let me know
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  • Profile picture of the author Randall Magwood
    It's happened to me too. I offer a 12 month money back guarantee... all the fool had to do was say that he wanted a refund. But he did the chargeback thing and i just refunded the money just to get him out of my hairs. And yeah... paypal charged me $20 for the chargeback. Roll with the punches, and dont let it deter your business and your goals of earning nice large paychecks.
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  • Profile picture of the author Bruce NewMedia
    They are not easy to win, that's for sure.
    Some forum members will tell you they've won some, but I've only won one.
    ...and I've lost two.

    PayPal does put some effort into challenging the Chargeback imo, if you provide them with
    some decent ammunition. The one that I won took MONTHS. I had completely forgot
    about it at that point.

    In the case of services like you have provided, it can help to have a record of
    communication that: 1. Agrees they received the services/material 2. Are satisfied with said
    services.
    _____
    Bruce
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    • Originally Posted by Bruce NewMedia View Post

      They are not easy to win, that's for sure.
      Some forum members will tell you they've won some, but I've only won one.
      ...and I've lost two.

      PayPal does put some effort into challenging the Chargeback imo, if you provide them with
      some decent ammunition. The one that I won took MONTHS. I had completely forgot
      about it at that point.

      In the case of services like you have provided, it can help to have a record of
      communication that: 1. Agrees they received the services/material 2. Are satisfied with said
      services.
      _____
      Bruce
      Agree definatly not an easy win with credit card chargebacks but if you have enough evidence then you can fight it
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  • Profile picture of the author CyberAlien
    You're worrying too much about fighting this. I'm assuming that you have the persons contact information. Send them an email, letter, or phone call letting them know that you're going to be selling off this debt to a collection agency.

    They will either get scared and drop the case or they will be stupid and continue. If they continue, sell off the debt to a collection agency and let them go after those people legally - plus they will damage their credit score normally.
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  • Profile picture of the author Jack Gordon
    I think it would be challenging to find a decent collection agency willing to take that case.

    However, I would encourage you to reframe the problem in your mind. Practically everyone in business of a certain size has faced this at one point or another. View it as a sign of success.

    One way to reduce the risk is to focus on building a more personal relationship with your customers. This doesn't necessarily mean actually building a personal relationship, but building the perception of one. If your communications show you understand their problems and care about their future, they will feel more bonded to you and less likely to pull a stunt like this.

    Also, here is a trick some collection agencies have begun using. You can prominently place a "consumer complaint" link on your site. I wouldn't actually call it that, but if they want a refund, have a problem, need to vent, etc, give them an easy way to do that directly through you, and they will be less likely to do it through a chargeback.
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    • Profile picture of the author CyberAlien
      Originally Posted by rocket2uranus View Post

      I think it would be challenging to find a decent collection agency willing to take that case.
      It's extremely challenging, takes a lot of phone calls, and hours of research. But if you're going to be making thousands of sales on a monthly basis, you need to have a way to fight back against fraudulent customers. I'm not talking about ones that are upset or feel that they didn't get what they paid for, I'm talking about the ones that clearly signup, get what they paid for, and file a chargeback because that's what they were planning on doing the entire time regardless of the service.
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  • Profile picture of the author travlinguy
    Compile a detailed record of everything you did for this guy. Dates, times, whatever service or task it was. Include email to and from the client. Skype transcripts. Phone records. Everything to prove you actually performed services for him. Don't leave a single thing out.

    When you get it all together email and snail mail it to the CC company.
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  • Profile picture of the author Malcolm Thomas
    These types of disputes are usually extremely hard to win. They can be won, but sometimes you've just got to think to yourself, "is it really worth the effort and added stress?"
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  • Profile picture of the author NemoTheOne
    why don't you use a cc processor? to prevent this from happening in the future.

    PM me. I can help you. I've run into the same issues.
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    • Profile picture of the author RimaNaj2011
      I heard about all these things so offline I accepted checks but I realized for recurring billing, it's a pain to chase people down.

      As long as you document everything in e-mail, shouldn't that be enough to win disputes? What are other options besides Paypal? That's easy, simple, and cheap.
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  • Profile picture of the author troy23
    Sometimes it's better to let it go.
    As long as it does not happen often.
    There will always be people who want something for nothing unfortunately.
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  • Profile picture of the author TopOfTheMornin
    For services, always good to Google somebody (or do some social research) before doing an ounce of work.
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  • Profile picture of the author BIG Mike
    Banned
    Yes, you can win them and PayPal will act diligently on your behalf in pursuing them with the credit card company.

    However...you need to have all your ducks in a row to prove your case. They aren't going to take your word for it so document everything and make an effort to professionally tell your side of what transpired.

    Over the years, the most common reason I've seen people give for charge backs is "Unauthorized Purchase". In my case, I provide PayPal with the details of the transaction and most importantly, a copy of all emails, especially support. That generally proves that the buyer did in fact, authorize the purchase.

    Credit card companies can be fairly reasonably if you can demonstrate that the buyer is making a fraudulent claim. The buyer not only risks his or her PayPal account, but termination by the CC company as well.

    I've won upwards of 90% of charge backs from buyers over the years and contrary to what was stated in this thread, they are worth pursuing. It's not just a lost sale - the fees PayPal impose ($20), makes it a net loss, especally on lower-priced items.
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  • Profile picture of the author Corey Geer
    I've seen some people say "let it go", but no...

    I don't care whether it's $1 or $1,000, I don't let scammers get away with anything. Enough people who just simply let it go is what allows them to continue doing what they do.

    As far as the dispute goes, I have two things:

    A: The screenshot of our conversation of him being handed the item (it's virtual)
    B: A screenshot of his accountant or whatever he is saying he was going to charge back the money because I left a bad review about their customer service. Sorry, I just don't like being called a moron because of a simple question I had about the recurring bill they were still charging me for even though I sold them the account.

    For me though, I have all day to devote my time and energy to. I don't even care about the money. Unfortanutely for them, when someone types in their business name, well let's just say it'll be very easy to outrank.
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