PayPal is denying me my Seller Protection
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Hi All,
I am in desperate need of some help/advice here regarding loss of large amount of money
6 months ago I sold an item to a customer which was delivered to them with DHL Signed and tracked post with a tracking number.
Tracking number is 60120149418342 and the item was delivered successfully. Last month the buyer filed a chargeback with their bank for "Unauthorised Transaction" for the entire amount £1099. We tried reaching out the buyer but the phone number on the order came back as invalid and no email response. PayPal advised me not to worry and they will respond to the case and simply asked me for a tracking number which I provided them,
As the order was eligible for Seller Protection, I was told by an agent in any case PayPal will cover me under Seller protection as she can see the tracking shows as delivered.
Two weeks ago I got an email that chargeback was ruled in buyers favour and PayPal did not cover me under seller protection. I immediately phoned PayPal and spoke to a very incompetent person who kept insisting that Seller protection was denied because the buyer files a chargeback with their Bank rather than PayPal which I tried to explain that's not what the Seller Protection Policy says. I hung up and called again and got through to someone else who was much more sympathetic and agreed I should have been awarded Seller Protecton, so she opened an appeal ticket with the backend team to reverse the decision. I re-provided them the Tracking Number and a letter written by DHL confirming the parcel was indeed delivered to the buyer's address.
One Week later, PayPal messaged me on their messaging tool indicating that the backend team have reviewed the tracking number and whilst it shows delivered and signed by "BUYER's SURENAME" it doesn't mention anywhere the buyers full address and so backend team can't confirm if the item was delivered to the buyers delivery address. They further mentioned the letter from DHL is not a valid proof of postage and instead a postage receipt should be provided. (Not sure how a signed letter by DHL isn't valid but never mind that, I logged into DHL account and downloaded the "Postage receipt")
I immediately responded back highlighting that no courier tracking ever shows the full address due to GDPR, and I highlighted that on https://track.dhlparcel.co.uk/ under tracking number, DHL does for the address "post code" and only the correct "post code" returns full detail of delivery. And of course, I also attached and provided the "Postage Receipt" for it as well. A new agent on the messaging tool picked this up and confirmed she can see all is order and will just open a second appeal and escalation because she doesn't see any issues. I also highlighted that the customer hasn't even challenged the delivery but filed "Unauthorised" transaction!
I also asked at the time should PayPal continue deny me Seller Protection under the pretence that delivery address is not clear etc I want a "Letter of Deadlock" to make a complaint to the Financial Ombudsmen.
Today, I've again received a feedback that tracking number doesn't show the entire full address of the Sender without any reference to all the other detail, document and postage receipts I've provided them. Also not been provided with a letter of deadlock. I've also just noticed the agent has closed the message now so I can't even reply.
PayPal's phone number have been useless and they admit they can't do anything but to keep opening these appeals as it's the backend team who decide and I'm not getting a final decision letter from PayPal.
This money is huge amount for me and I am desperate and lost on what to do. I never thought PayPal, such a big company he pull tricks like this.
Any help is really really appreciated
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Seller Protection will no longer apply to transactions received after 16 January, 2023, where that transaction is subject to a card issuer Chargeback, also referred to as an External Chargeback, for INR.
A card issuer Chargeback is where a buyer funds their payment using a debit or credit card and reports an issue directly to their card issuer.
Advice is voluntary.
Kudos / Solution appreciated.
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Hi @kernowlass
Thank you for your reply
The case was NOT a "Item Not Received chargeback" as the article you've shared suggests. The case was for "Unauthorised Transaction" instead which at the time of writing this message and when the chargeback was filed has been and still is very much covered by PayPal's policy.
https://www.paypal.com/uk/webapps/mpp/ua/seller-protection
Here is a link to the policy page which was updated on the 1st November clearly stating which I will quote in verbatim:
"PayPal's Seller Protection program may also apply when a transaction is reversed because of a successful chargeback by a buyer or when a bank funded payment is reversed by the buyer’s bank."
Any help is really appreciated
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Hello @Ajay009,
Welcome to PayPal Community Forum and thank you for posting! Thanks for the details @kernowlass.
I am sorry for what happened and I understand how important it is to have everything running smoothly. This situation for you can be frustrating. It is correct, the transaction "May" be covered for seller protection. However, you potentially did not meet all requirements for seller protection to apply. In regards to the unauthorized claims that you're referring to, you can reach our Customer Support team via social media contact options through Facebook by sending PM, Twitter and Instagram on DM so that our representative can look into this case and help you accordingly with what next action that needs to be taken to have this sorted. For security reasons, we won't be able to discuss any account related information. On this platform, wouldn't be able to say without reviewing your account. I apologize for any inconvenience that has caused
Regards,
Ayesha
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My only advise to you is STAY AWAY from Paypal, they are the biggest scamming company ever. I really feel sorry for you, they scammed me too.
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The chargeback process is external to the PayPal system.
The buyer's credit card issuer grants its members specific consumer protection which PayPal has no authority to replace or reduce.
If a PayPal user initiates a chargeback with their credit card company Paypal have no way of stopping the claim.
All they can do is pass on any information you supply to the credit card company on your behalf.
No payment processor not even a credit card gives you 100% protection against everything.
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Kudos / Solution appreciated.
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Well said. What is the point of PayPal seller protections scheme? PayPal seller is doing businesses at the mercy of PayPal users/buyers. As for my case, the buyer changed several dispute claims against me. I sold him a genius Rolex watch. He Disputed that he received a fake watch. Item significantly different! but buyer returned a totally prohibited item, a **Bleep** TOY to me. I have all the vedio taken at DHL office as DHL requires to inspect the watch before sending out. PayPal rejected his claim in favour of me. Subsequently, buyer filed a chargeback claims against me, saying that I charged him incorrectly. The card issuer went in favour of the buyer and PayPal hold up payment. I am a serious eBay seller since 2008, yet 1st time scammed. I have nothing but the buyer had my Rolex watch FREE OF CHARGE! I proceeded to my local authority to file a claim against PayPal! Don't tell me that PayPal is just freely letting this case goes through. Dear PayPal sellers out there. I am fading my trust on PayPal. Sellers are never well protected! I stopped using PayPal today but I didn't close my account as I need more information to support my dispute case against PayPal. Extremely disappointed! The credit card company really supported this scammer! Worst, PayPal just wrote to me and say they cannot claim the money back. That's all with no reasons stated! What a world class organisation, PayPal! Disrespectful of them! Dear readers, please assist to spread this information to seller out there. The buyers can just manipulate the item they received and file a chargeback against you! You will definitely lose the case as card issuer always go in favour of their customers. Thanks
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Paypal is involved in too many suspected fraud cases , that maybe are done from inside the company. Maybe is not the company, but a group of employers.
too many frauds latelly, and paypal never answer nothing.
stay away from paypal as a seller. I do not accept more paypal under any circunstance
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