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In lugnet.market.services, Chris Phillips wrote:
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My guess as to what happened here is something like this:
the Buyer on that transaction most likely stole someone’s credit
card number and/or identity, set up a PayPal account...
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The assumption is that since paypal said there is fraud involved that there is.
This is not wise. It plays into paypal’s attempt to pass the blame for the
failings of their bogus verification scheme off on their customers. I know
because it happened to me, and they called me a crook, too.
There are two possibilities that are more likely than fraud, IMO. The first from
personal experience...
Perhaps they tried to contact this buyer to confirm this transaction and their
one attempt was unsuccessful. Despite having another phone number, an email
address and a mailing address, at least one of which is verifiable with the
credit card company, they will make no further attempts at contact, and they
will refuse attempts at contact by the seller. They’re the ones now holding the
money, so why should they make the effort?
The second possibility seems not unlikely based on stories posted to the
complaint sites, if you believe that some of them are true (and I do)...
Perhaps this buyer contested a charge in a paypal transaction, or had one of his
sales contested by another buyer. As a result, paypal reversed all transactions
this person has ever made through paypal.
It should be noted that merchants get charged a large fee by the CC companies
for excessive chargebacks, and paypal has had trouble with Mastercard and Visa
over this (they paid fines to both, $105,000 to the latter). There was even a
threat by Mastercard to unauthorize paypal. As a result, paypal seems overly
aggressive about avoiding chargebacks, and in punishing those who use them,
legitimately or not. This, IMO, is passing the failings of their business model
off on their customers.
FWIW...
http://www.siliconvalley.com/mld/siliconvalley/business/columnists/gmsv/3627612.htm
Google “mastercard paypal chargebacks”.
Amy
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