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  • Chargeback after providing product.


    KittehMei
    • Who: NekoLoveart24
      Where: https://www.furaffinity.net/user/nekoloveart24/
      When: 02/07/2019
      What: Other (Explain Below)
      NSFW Content

    I've tagged this as NSFW because of the mature theme (strip-tease), but if it is SFW enough please let me know and I will change it ♥
    Below is the product in question.

    1372144003_Productad.thumb.png.c24015a06a79278e644974bf753b6d31.png

    I recently decided to make my first ever P2U base (above) and I was contacted by Nekolover24 who requested to purchase a copy from me on the 6th February.
    1300548467_Conversation1.thumb.png.854d9f57bccc01a1bc6a689cfd56d885.png

    The next day, on the 7th, I responded and promptly sent them an invoice for £20.
    1904243020_Conversation2.thumb.png.1ddecd443528da9a98d94a2816ff104b.png

    They replied very quickly to let me know that they had paid the invoice, and once I had confirmed the payment had been recieved I went straight ahead and sent them a message that included links to the files for the base (I will censor the end of the link).
    1928509781_Conversation3.thumb.png.9dfec2badfc02887c73ad9f650e7084a.png

    1436634082_Conversation4.thumb.png.0e64ceb751f22f71f0ed719f46c9dbdb.png

    Below is the complete invoice + details of the transaction.

    416797552_Invoicedetails1.thumb.png.6d2b477d63327da0b9881b1da112db73.png719566252_Invoicedetails2.thumb.png.1def52c5da5bb018b915edccb1683027.png

    Later that same day they responded confirming that they had saved both of the files.
    782517626_Conversation5.thumb.png.54218dfa166de5410ff72202c11db4fa.png
    There is more to the conversation, but it's about brushes and them planning on using it soon etc. and so not relevant I think. If I should still add it then I am happy to.
     
    However, on the 4th of March I discovered that I had an outstanding case that this same person had filed against me on the 28th of February. It was my mistake that I had not checked my emails or Paypal itself between the claim opening and when I noticed, but thankfully I realised within the deadline to respond (I had until the 10th) and was able to phone PayPal in time to find out what was going on and try to sort it.

    311600179_proofofchargebacknoticecens.png.4987860092995e17da9cab529a241146.png

    Nekoloveart24 didn't contact me or notify me in any way that they had issued a chargeback, and so this was a complete surprise to me. The only clue they provided was a vague journal prompting artists that they have commissioned to message them if they have been affected by "this" because they didn't want to explain the reason publicly.
    Journal.png.a93a253144db660332c95856610042f6.png

    This of course was an instant red flag to me, as I would hope that if some genuine hiccup had caused a chargeback then they would try to at least notify about it and try to make things right. I am very suspicious and sceptical due to their lack of action and the continuation of their claim despite their vague acknowledgement of it. I can confirm that I'm not the only one affected by this person, but of course I know that I cannot provide evidence on their behalf so all I can do is suggest that they also come forward and write their own beware to help warn others of this person. I have already contacted PayPal and they are sending off my evidence to this person's bank/financial institution (unfortunately they chargebacked via their bank directly and so there's only so much PayPal can do to help me here, and so now I am waiting to see what is decided). The reasoning was apparently an "unauthorised transaction", which as you can see in my screenshots (and their journal acknowledging "this"), they appear to have every knowledge that they were purchasing something from me.

    I have been told to wait 10 days (as of 4th March) before contacting PayPal again for the status of the case, so hopefully then I will be able to update this with more info on if I will be able to have my money returned to me. Once I had made sure that I'd done all I could in countering their claim I reached out to them on FA via note, but as of right now they haven't replied or seemingly even looked at the message itself.
    1131824676_notread.thumb.png.cbe6b9b0204295c55beaeca3c57877e1.png


    Now we're all up to current date (7th March), so I will update this as things continue to unfold. I hope that this will end in my favour and that this person does not get away with both what they bought from me AND the money ?

    I think that's everything? As my first beware I hope I did everything ok, but of course if not please feel free to let me know so I can make changes!
    Thank you so much for taking the time to read, and I hope this can help others ♥



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    Unfortunately this looks more and more to be the case that the client was using a credit card that they should not have had access to.  This generally happens when minors or adults get a hold of their parents' credit card.  Or a parent involved in their life has discovered that they are running up a large balance on their own credit card.  If you contact Paypal again there's a chance they can refund you the credit card chargeback fee.

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    5 hours ago, Celestina said:

    Unfortunately this looks more and more to be the case that the client was using a credit card that they should not have had access to.  This generally happens when minors or adults get a hold of their parents' credit card.  Or a parent involved in their life has discovered that they are running up a large balance on their own credit card.  If you contact Paypal again there's a chance they can refund you the credit card chargeback fee.

    Yeah, that is a possibility sadly. Unfortunately there's no way to verify the reasoning, or their age, or even that they are the owners of the card.. at least I don't think so?

    And yeah, it might be worth me contacting them again to ask them about that, see what they can tell me and see if it's even an option for me. With the amount of people I know are fighting against this, I am hopeful that some positive outcome will happen for us affected anyway. Paypal on the phone told me that I wasn't the only one affected by this claim and told me the same - that the more people fight it, the more likely Paypal will investigate the account attached to that card/bank. They couldn't tell me more obviously, but at least I know I'm not the only one officially. Which is both a comfort and disheartening all at once ahah.

    Thank you for the suggestion though! I'll see about giving Paypal a ring later, and see if I will be able to get some compensation, even in the event this somehow doesn't resolve in my favour. Tbh, it makes sense I would be able to, because whatever the reason is I'm not the one at fault at all, so surely there's some safety net option. At least I hope so, especially for those affected by larger amounts than me.

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    Although it won't fix what's happened, I highly suggest not selling bases through PayPal, but instead setting up a store on Itch.io. You can price the bases and have a bit of a buffer for PayPal to deal with instead of picking on a small business artist, plus buyers receive their purchase instantly instead of waiting for the artist to send it. And if you update the base, it's easy for your previous buyers to instantly get access to it. (Or set up separate packs under the same product page.)

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    I see this happening a lot lately and not just by one person =/ I agree you should definetly do itch.ito for your bases because I have bought 2 sets of bases (Waitress bases to be exact) and it was quick and there was no waiting on either end, and its safer for you because they cant use your email to harass you at all if it comes down to it, if they do succeed in getting their money back definetly let FA and DA know so they can make sure your base isnt used! at least how they can anyway. I am sorry this is happening to you and so many other artists!

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