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Paypal Chargebacks

Quick question that I hope someone might know. My partner and I are looking at doing a chargeback on a fursuit maker who hasn't been communicating or updating with us for some time now. Unfortunately the payments were all sent around April-July last year. Obviously this is way out of the ordinary window for a chargeback. My partner has called both his bank and PayPal, which both said they couldn't do anything (bank because it wasn't fraudulent, PayPal because it was outside chargeback window.) I was wondering if anyone has been successful in disputing old transfers before or if we really are out of luck with this one and will have to chalk it up to a very expensive loss :/ I'm hoping someone here knows the right things to say to either bank or PayPal to get our $2k back.

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kattotang
Jul. 29th, 2016 04:47 am (UTC)
You said the fursuit maker hasn't been communicating...so does that mean you haven't gotten any updates and they're ignoring your attempts at communication? If that's the case, I don't really understand why your bank wouldn't consider that to be fraudulent, as the maker has basically run off with your money...
arinaca
Jul. 29th, 2016 04:50 am (UTC)
That's correct, they've been ignoring notes from my partner, uploading regularly from their main account and replied to a note from me, then stopped once I asked about the suit :/

I'm wondering if its because its been so long, I forgot to say that those payments were from last year.
kattotang
Jul. 29th, 2016 04:56 am (UTC)
You didn't forget anything, you did mention in your post that payments were made about a year ago, so no worries on that. But, still, I don't understand your bank at all. Even if it were a year ago, I would think saying you ordered a custom-made item and never received it would allow you to put some sort of claim through... I've never gone through something like this though. Hopefully someone else might be able to give you some advice. :<

I do hope that either way you're planning on submitting a beware on this maker though. D:
arinaca
Jul. 29th, 2016 05:04 am (UTC)
I think my partner is going to give it another go once we get a bit more advice from here - maybe trying the fraud route more.

Absolutely, my partner is collecting up emails and stuff as I type. Even if the maker does suddenly start replying back to everything, this has been pretty unacceptable.
poto_heart
Sep. 2nd, 2016 05:09 am (UTC)
I know I am late to this post, but as someone who works at a bank (*in the US, some or all of this might not apply in other countries) -

The bank definition of fraud does not cover scams, bad purchases, etc. We are required by our insurance coverage and by regulation to define fraud pretty much exclusively as: someone stole your debit card (or account number, identity, etc.) and made unauthorized charges/withdrawals on your account. And even then, you must never have allowed anybody else to use your card (so if you tell us you let your cousin borrow your card once, you can't make a fraud claim).

This is why I always advise people to use credit cards and not debit cards when making online or risky purchases. It is much safer and chargebacks are much easier with credit card companies. Unfortunately this advice is too late for OP, and it's probably too late to lie to the bank if they've already told the bank what actually happened. But maybe it will help others in the future.

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