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63 votes
Accepted

Ordered bike parts, paid with Paypal, received face masks. How do I get my money back from this scam?

PayPal has a couple of articles that discuss the dispute process. One is addressed to the buyer, and the other is addressed to the seller. The seller’s article is perhaps more informative: it ...
Ben Miller's user avatar
  • 116k
51 votes
Accepted

What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer?

When you initiate a chargeback, the merchant has the right to dispute the chargeback. If they can provide proof that the purchase actually took place, the chargeback will fail. We don't know all the ...
Ben Miller's user avatar
  • 116k
23 votes

Ordered bike parts, paid with Paypal, received face masks. How do I get my money back from this scam?

+1 to @Ben Miller for explaining how to file a dispute with PayPal. Last year I ordered a FlashFish Power station. The price was suspiciously low but the web site appeared legitimate. They provided ...
Bob Baerker's user avatar
  • 76.6k
20 votes

What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer?

So, what's the point of a charge-back, if they simply take the word of the merchant? tl;dr: They don't. As both a merchant and a consumer I have been on both ends of credit card chargebacks, and ...
TTT's user avatar
  • 47.2k
14 votes

Should I stop payments on my credit card after a chargeback dispute?

You have no legal basis to stop payment to the Credit Card Company, as even the court already clarified. I understand that for you the money you pay the credit card company is the same money you ...
Aganju's user avatar
  • 37.7k
14 votes

Can a refund be reversed?

Stores are not required to give refunds. They do it as a gesture of good will toward their customers, and can refuse any return for any reason. That having been said, they did accept the jacket as a ...
Ben Miller's user avatar
  • 116k
13 votes

What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer?

The point of a chargeback is to force merchants to do the paperwork. Many merchants don't, and are easy targets for chargebacks, even when they have, in fact, provided the good or service. You used ...
Tom Au's user avatar
  • 6,021
7 votes

Does a failed chargeback affect my credit score?

If this chargeback failed then would it negatively affect my credit score? A credit score is a measure of how dependable of a borrower you are. Requesting a refund for not receiving goods not ...
Nosrac's user avatar
  • 6,839
7 votes

What's the point of a chargeback when they just ask the merchant whether they owe money to the buyer?

You may be using the wrong method to get your money back. As others have said, this is not a valid use for chargeback; that is when a fraudulent charge occurred, or when a merchant charges you ...
Joe's user avatar
  • 35.8k
7 votes

How I can convince bank to proceed with chargeback for the scam broker?

I've tried to call my UK's bank to explain my situation, but as soon they've heard it's about a scam trading company, they say the chargeback doesn't apply for trading accounts according to their ...
Dheer's user avatar
  • 57.1k
6 votes

Charge back credit card if signed contract already

Can? Yes. Legally/May? No. Charge back is when you indicate that the credit card charge itself is fraudulent. That could be a charge made by someone not authorized to use your credit card, or a ...
Joe's user avatar
  • 35.8k
6 votes

Should I stop payments on my credit card after a chargeback dispute?

I'm going to simplify your situation and restate it for clarity: I owe Citibank $10,000. A company owes me $2,000. If I tell Citibank I will not pay them the $10,000 until after I receive the $2,...
TTT's user avatar
  • 47.2k
6 votes

TransferWise Transfer Being Recalled

Welcome to the wonderful world of bank scams. It's a classic "I'll give you a reversible transfer for your irreversible one and then reverse it on you". If you feel that you're in the right ...
littleadv's user avatar
  • 176k
6 votes

Can I get sued by a company after winning a chargeback?

They can't sue you because of the arbitration clause. But they can demand to bring the case to an arbitration tribunal. Because in their opinion, they fulfilled their side of the contract but you didn'...
Philipp's user avatar
  • 23.9k
5 votes

Money deducted for pre authorization hold

My question is, how can this happen? Humans are imperfect. They fat-finger things and write buggy code. They're defensive and lazy, too, not wanting to admit to mistakes. Computers just make ...
RonJohn's user avatar
  • 50.7k
5 votes
Accepted

Is it possible to chargeback a "legitimate" transaction which occurred due to a scam?

For your particular case, you probably have a valid chargeback claim. Condition 12.5 Incorrect Amount can apply if: • The transaction amount is incorrect. • An addition or transposition error was ...
Acccumulation's user avatar
4 votes

Should I be concerned about chargebacks from users buying my software?

If you have a good product, I wouldn't worry about it. You just have to accept some amount of chargebacks as the cost of doing business. Using a provider that offers buyer protection is likely to ...
TTT's user avatar
  • 47.2k
4 votes

Will I get a refund for my insurance renewal?

It sounds like the agent you spoke to may have been confused about your "cancellation" request. Partial refunds apply when you are cancelling mid-term, and might incur a fee as mentioned. It ...
CactusCake's user avatar
  • 3,463
3 votes

Why doesn't my bank ask me why I'm doing a chargeback?

You should have been prompted to select a reason; but perhaps a generic reason was attached to your dispute without your knowledge, such as that the product/service was not provided. Here is what it ...
Orange Coast- reinstate Monica's user avatar
3 votes

How I can convince bank to proceed with chargeback for the scam broker?

If you book a flight with your credit card, and the airline goes bankrupt and you get no flight, that was an entirely legitimate transaction, and the credit card company will refund your money. The ...
gnasher729's user avatar
  • 23.2k
3 votes

How I can convince bank to proceed with chargeback for the scam broker?

3rd parties can and do help people recover money lost to scam brokers. A retainer fee should be standard for these companies since any recovered funds in these cases always go directly to the ...
Amin's user avatar
  • 31
3 votes

Cancelling transaction on a Credit Card

Broadly, you can "dispute" the transaction with your card provider and ask for a chargeback. This isn't an automatic right of cancellation, but they will need to at least look at the dispute and ...
GS - Apologise to Monica's user avatar
3 votes

Charge back credit card if signed contract already

It is difficult to answer this question for your particular case as there are quite a few factors that can affect the answer, including how much time has elapsed since the charge was made and the ...
TTT's user avatar
  • 47.2k
2 votes
Accepted

Cancelling transaction on a Credit Card

The Act you are probably thinking of is Section 75 of the Consumer Credit Act. It applies to amounts between £100 and £30000. That makes the credit card company jointly liable with the retailer for ...
Simon B's user avatar
  • 10.4k
2 votes

My bank refused to do a charge back

You can't make your bank do a charge back. This function is to assist with straight up fraud, not a customer service mistake. (Think spoofed or stolen card or if a vendor intentionally acted ...
BobbyScon's user avatar
  • 14k
2 votes

Does a failed chargeback affect my credit score?

I think your confusion comes from the negative impact when a creditor writes off your bad credit and ceases attempting to collect it. "Chargebacks" as you call them are an attempt to undo fraudulent ...
NL - Apologize to Monica's user avatar
2 votes
Accepted

How do credit card chargebacks work when using Paypal/Google-Pay/Etc?

After contacting Paypal, I was told the following: A buyer may chose to pay through paypal with a credit card, or chose to pay with their balance. If the Paypal balance is $0, the funds may be ...
Bort's user avatar
  • 141
2 votes

Can I reverse a payment and re-pay with a different debit/credit card?

It's a bit of an imposition. Not only will the store have to do the work of processing the additional transactions, but depending on their payment processor, they likely will incur additional fees. If ...
Acccumulation's user avatar
2 votes

GnuCash Chargeback

There is no dedicated function. There is no “button” you have to click. Just create a new invoice for the customer in question (Business → Customer → New Invoice) and GnuCash will automatically fill ...
Kai Burghardt's user avatar
1 vote

what can I do to get a chargeback from an online retailer purchased on my credit card

If you haven't paid your bill yet, your money doesn't exactly need to be "refunded", you're looking for your account to be credited. Since you've filed for a chargeback, you shouldn't have ...
Acccumulation's user avatar

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