Someone gifted me money but is disputing the charge.

[Yosheemaher]

I recently had someone buy something from me through PayPal. He gifted the money to me save me from the fees. A week later after he received the item, he opened a dispute. I provided texts exchanged from him and I as well as the shipping confirmation. From my understanding, you can't dispute gifted funds. PayPal said its under investigation now and the dispute is with his credit card company too. Am I missing something? How is he able to dispute it and PayPal tell me that I could be liable for it? Not that I want my item back but what would hold him liable to shipping it back to me?

[DPCreations]

Rules a different when the payment is made from credit card. PayPall must then abide by credit card rules.  If "buyer" prevails you will be forced to refund and also pay a $20 credit card chargeback fee.

There are risks to bypassing PayPal policies for goods and services.

[Whac-A-Mole]

He paid you via friend and family,which means he is giving you  cash gift,so if he files with paypal,he will lose.

Thats why he is going the route of chargeback with his cc issuer as cc issuer does not differentiate paypal terms such as friend and family or goods and service. 

what is the reason for chargeback?

not received?

then give them tracking showing it has been delivered and signed for if $750 or more.

Item not as described,he may or may not have to return the item to get his money back.

if you lose,you pay $20 chargeback fee/

lets hope his cc issuer will ask him to return the item

[Yosheemaher]

He's saying it wasn't as described. It was a used car part. And in the texts exchanged I told him what to expect. It was a $1,400 transaction. I sent screen shots to PayPal. so if he wins, I'm out my $1,400+ and the part? I feel like it's just too easy to lie to your credit company and I lose this..

[sharpiemarker]

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@Yosheemaher wrote:
He's saying it wasn't as described. It was a used car part. And in the texts exchanged I told him what to expect. It was a $1,400 transaction. I sent screen shots to PayPal. so if he wins, I'm out my $1,400+ and the part? I feel like it's just too easy to lie to your credit company and I lose this..

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Yes, you will more than likely be out of that money and the goods if the buyer wins. That is why you ought not accept personal payments for sales to avoid PayPal fees so you'd have chargeback protection.  People getting the idea it's cute to try and avoid giving PayPal their cut but that cut can mean protection.

Chargebacks are much broader in terms of protection for the buyer than PayPal.  And the banks decide on the chargeback, not PayPal.  They are the defendants fighting on your behalf with the info you submitted.  It is possible to be covered under seller protection from chargebacks but you have to accept the payment as goods and services, not friends and family and for Unauthorised Use and Item Not Received purposes only.

There is no protection from Item Not As Described from chargebacks or PayPal disputes even if you accepted a goods and services payment.  Best thing for used, second hand goods is local cash n carry.

[Yosheemaher]

Any chance of it not being reversed? All I had was text messages of me saying it might not be what he needs and him agreeing. Should I try and contact his credit card company?

[DPCreations]

The money was a gift; there is no official goods associated with a gift, so no supporting details.

The "buyer's" credit card will decide what to do.  That's all.

[Whac-A-Mole]

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@DPCreations wrote:

The money was a gift; there is no official goods associated with a gift, so no supporting details.

whther it is a gift or goods sold,thats Paypal talk,credit card issuer does not care what Paypal talks,it is a charge card transaction,money for goods .  

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[Whac-A-Mole]

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@Yosheemaher wrote:
Any chance of it not being reversed? All I had was text messages of me saying it might not be what he needs and him agreeing. Should I try and contact his credit card company?

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you cannot contact his cc issuer as you dont know who it is,you dont own the merchant account to accept credit card,Paypal does and Paypal is n\ot going to tell you. 

call Paypal and speak to a rep,telling him to make a note in your case that you want your item back as it is high dollar,if that does any good.

CC issuers can be reasonable.

[Whac-A-Mole]

It looks like your buyer knows how to play this game,-he could use the part but he does not want to pay-if he files with the venue say Ebay,EBAY WILL make you pay for return shipping,then he wont have the part.

if he pays under goods and services and file with Paypal,he has to pay return shipping and not have the part.

but if he files chargeback with his cc issuer,there is a chance he wil have both money and the part.