4 ms·

How did they get your credit card information? If it was stolen then it’s a simple fraud case and you’re not liable for any of it with any major credit card in

How did they get your credit card information? If it was stolen then it’s a simple fraud case and you’re not liable for any of it with any major credit card in the US (the federal law maximum liability would be $50). In that case the chargeback reason is simple - the card was stolen, these are fraudulent purchases and you are not liable. If you have a balance on the credit card you refuse to pay the amount. They should remove the charge. And if your bank isn’t doing the right thing you file a simple online complaint with the CFPB. You will get a response in 15 days or so. Though I’m not exactly sure why your ire is so strongly directed towards eBay and not your bank. They sound like the real villains here since you are their customer, not eBays.

notch656a 4y ago
>How did they get your credit card information? If it was stolen then it’s a simple fraud case and you’re not liable for any of it with any major credit card in the US (the federal law maximum liability would be $50). Yes stolen. Not the physical card, but the information skimmed or hacked somewhere. >In that case the chargeback reason is simple - the card was stolen, these are fraudulent purchases and you are not liable. If you have a balance on the credit card you refuse to pay the amount. They should remove the charge. And if your bank isn’t doing the right thing you file a simple online complaint with the CFPB. You will get a response in 15 days or so. I did file a charge back as fraud/stolen. My bank removed every other charge from that day. Including the e-bay charge. Then e-bay appealed. E-bay sent back a very long document asserting my own name was on the account, that a tracking number showed something went to my house. I've forgotten what all was on there, but it was a lot. The hacker basically had all my information; not sure how but my employer's human resources was hacked so maybe they got some of it from there. So for the first 15 days or so the charge was reversed. Then e-bay won the appeal. The issue is e-bay knew the seller is fake. I also contacted e-bay and told them the charges were fraudulent. E-bay just ignored me. They knew the seller was fraudulent but appealed the chargeback anyway. The charges were re-instated. Everything revolved around that tracking number. My bank talked to me very condescendingly and noted the invoice had my address and that the tracking number went to my city (I couldn't find out WHERE in my city it goes because UPS does not reveal that to anyone but the actual customer.) Both e-bay and the bank could have found out that tracking number was shipped before even the time of the alleged order. I was treated like a thief by both e-bay and my bank. Ultimately they ganged up on me. I'll never understand why the bank was able to justify reversing every single other charge that day but the e-bay charge. But I do know it is because e-bay made the chargeback process a living hell for my bank, because e-bay has a legal division devoted to fucking over the customer as much as possible when they get a chargeback. That is the source of my ire at e-bay. So yes my ire was also at my bank. But this threat was about e-bay. My bank was a small regional bank that not a lot of people know about.
- danachow 4y ago
  > So yes my ire was also at my bank. But this threat was about e-bay. My bank was a small regional bank that not a lot of people know about. I mean this sounds like it was a while ago so it's probably too late to do much (if you don't owe that bank any money then it's another matter entirely to get money from them - you'd have to sue most likely). But for future reference, if they don't give you satisfaction get the state (AG) and the feds (CFPB or reserve) involved - it's usually a simple online form or two. The smaller bank in this case is actually in one's favor since their failure to play ball with a federal regulator is a bigger problem for them. But I have had to file these complaints a few times for I've never failed to get a response back from the executive level. I have had chargebacks "denied" because of this exact same stupid shit - tracking number in the same city shit before, but I calmly explain that it doesn't pass muster as evidence. Unfortunately even the big banks often reject on meritless grounds hoping you'll just go away. But it's surprisingly easy to take the next step and that usually makes things go in your favor. There might not be any reason you can't still file a complaint with https://www.consumerfinance.gov/complaint/ https://www.consumerfinance.gov/complaint/.
  - notch656a 4y ago
    Thank you for the advice!

notch656a 4y ago

>How did they get your credit card information? If it was stolen then it’s a simple fraud case and you’re not liable for any of it with any major credit card in the US (the federal law maximum liability would be $50). Yes stolen. Not the physical card, but the information skimmed or hacked somewhere. >In that case the chargeback reason is simple - the card was stolen, these are fraudulent purchases and you are not liable. If you have a balance on the credit card you refuse to pay the amount. They should remove the charge. And if your bank isn’t doing the right thing you file a simple online complaint with the CFPB. You will get a response in 15 days or so. I did file a charge back as fraud/stolen. My bank removed every other charge from that day. Including the e-bay charge. Then e-bay appealed. E-bay sent back a very long document asserting my own name was on the account, that a tracking number showed something went to my house. I've forgotten what all was on there, but it was a lot. The hacker basically had all my information; not sure how but my employer's human resources was hacked so maybe they got some of it from there. So for the first 15 days or so the charge was reversed. Then e-bay won the appeal. The issue is e-bay knew the seller is fake. I also contacted e-bay and told them the charges were fraudulent. E-bay just ignored me. They knew the seller was fraudulent but appealed the chargeback anyway. The charges were re-instated. Everything revolved around that tracking number. My bank talked to me very condescendingly and noted the invoice had my address and that the tracking number went to my city (I couldn't find out WHERE in my city it goes because UPS does not reveal that to anyone but the actual customer.) Both e-bay and the bank could have found out that tracking number was shipped before even the time of the alleged order. I was treated like a thief by both e-bay and my bank. Ultimately they ganged up on me. I'll never understand why the bank was able to justify reversing every single other charge that day but the e-bay charge. But I do know it is because e-bay made the chargeback process a living hell for my bank, because e-bay has a legal division devoted to fucking over the customer as much as possible when they get a chargeback. That is the source of my ire at e-bay. So yes my ire was also at my bank. But this threat was about e-bay. My bank was a small regional bank that not a lot of people know about.

danachow 4y ago
> So yes my ire was also at my bank. But this threat was about e-bay. My bank was a small regional bank that not a lot of people know about. I mean this sounds like it was a while ago so it's probably too late to do much (if you don't owe that bank any money then it's another matter entirely to get money from them - you'd have to sue most likely). But for future reference, if they don't give you satisfaction get the state (AG) and the feds (CFPB or reserve) involved - it's usually a simple online form or two. The smaller bank in this case is actually in one's favor since their failure to play ball with a federal regulator is a bigger problem for them. But I have had to file these complaints a few times for I've never failed to get a response back from the executive level. I have had chargebacks "denied" because of this exact same stupid shit - tracking number in the same city shit before, but I calmly explain that it doesn't pass muster as evidence. Unfortunately even the big banks often reject on meritless grounds hoping you'll just go away. But it's surprisingly easy to take the next step and that usually makes things go in your favor. There might not be any reason you can't still file a complaint with https://www.consumerfinance.gov/complaint/ https://www.consumerfinance.gov/complaint/.
- notch656a 4y ago
  Thank you for the advice!