WTF?? Paypal Fraud Options

[Dave Cawdrey]

I just got a email from Paypal stating that a buyer from my auction used someone else's credit card. How the fuck can someone do this? Why am I responsible?

Anyway, dude's name is Thomas Richardson. Beware. Here is his info. Someone should call him (IMG:style_emoticons/default/boid.gif)

Contact Information for tc_richardson:

User ID: tc_richardson
Name: Thomas Richardson
Company:
City: Vallejo
State: CA
Country: United States
Phone: (707) 643 - 0938

[EdwardBlume]

Not good news....

A credit card is unsecured credit given to an individual or business. By accepting a credit card payment, YOU as the seller are liable for that payment and can be subject to having to refund the cash for up to 180 days in the case of fraud. According to the credit card company, you are the victim of the fraud, not their customer.

Alternatively, as a consumer, you have up to 180 days to claim you did not buy an item charged to your account, and get your money back if its fraud.

You're only recourse in this case is to track down the deadbeat buyer and file charges. If its any consolation, interstate fraud is a serious charge. I have not been through this, but I'd be pissed at Paypal for making it seem like the buyer was an OK buyer. You do have an address that you shipped to.

To protect yourself, do not take credit cards as payment unless you have a signature (signed in person) and get ID. Its hard for a buyer to say they didn't get something when you show 1) you had the card present, 2) they signed, and 3) you took their ID. Then the credit card merchant company should go after the buyer and have them settle the dispute themselves.

In this case, you are the victim....

We should have a DO NOT DO BUS With wall of all the deadbeat folks.