Chargeback dispute $0.10 for $1000?

[DjLol]

Hey guys, I don't know where to start. And I'm losing my mind over this **bleep**. Just yesterday night I received 5 emails with chargeback cases. All five of them were disputing $0.10 for $1000, and they were all by the same person. The person is claiming that I was supposed to send him a package for his $0.10 that he transfered me, but since I didn't, he is disputing this with $1000 per case. The thing is, I have never been a seller in my entire life of using this goddamn platform. I've only bought several things using PayPal. I don't know what is going on here, but if I don't respond in the next 10 days to this dispute, apparently the transaction goes through? I really don't know what is happening. Please help me guys I don't want to lose $5000. The only thing I can think of how this happened is via Twitch donations. I have a stream setup which allows people to donate to me on my Twitch channel. I am thinking the perpetrator used that platform to do this, and now he's disputing this for $5000.

[paranoidsteak]

Same issue happening to me, except I totally don't even reveal my paypal or sell anything online.

Paypal need to ban these accounts asap and fix this, their calls don't get through and emails with no response. Asking the community to fix themselves. My bloody account is now temp limited due to this. How do I even raise resolution when you limit my account??

[DjLol]

I'm glad at least someone is in the same boat, I made a reddit post over here at https://www.reddit.com/r/singapore/comments/gj3xan/does_anyone_here_have_any_experience_with_paypal It seems like for now either we submit a story from our POV in the shipping details response, or we refund the $0.10 and see what happens then.

[bellah_24]

Hi @DjLol this is really concerning. I am just curious,did you receive any email from PayPal stating that someone filed a dispute regarding a specific transaction? How much is the dispute amount?Is it literally $.10? Then,you'll pay $1000 for chargeback? This is not possible. Please check that email,did we address you by your first and last name? Please hover over the sender's email if there's a different link associated with PayPal,then that is spoof where you can just forward to spoof@paypal.com. Don't click the link,delete it once you forwarded it. Lastly,change your password and security questions.

[DjLol]

Hi @bellah_24 , please I urge you to look into my situation ASAP. I am not suffering from phishing or anything since the emails I got were legitimate and from the official domain that you guys always use. The person is disputing $1000 each, for each $0.10 transaction that he made. He sent this five times, and he disputed this five times. I've written a whole post documenting this case over here on Reddit at <a href="https://www.reddit.com/r/singapore/comments/gj3xan/does_anyone_here_have_any_experience_with_paypal" target="_blank">https://www.reddit.com/r/singapore/comments/gj3xan/does_anyone_here_have_any_experience_with_paypal<...> Please all I urge is for someone to look into the matter and write this off because this is ridiculous. I've already contacted you guys via email, Twitter DM and this but I've gotten lackluster responses. The Twitter support told me they'll send a specialist to talk to me soon but nothing has happened.

[Cmlinkletter]

I’m just as regular person who’s unfortunately had experience with other scams. Based on my experiences, this is absolutely fraud. Assuming this chargeback notification is legitimately from PayPal (and not a phishing scam) I suggest notifying the bank and/or credit card attached to your PayPal account so they can watch for any unusual activity. Then CALL PayPal [Removed. Phone #s not permitted](toll free.) It’s going to be a pain with the limited staffing and hours, but it’s the best way to get any immediate assistance. I also recommend contacting Twitch [Removed. Phone #s not permitted]is the only help desk number I could find, not sure if it’s toll free.) If their platform is being used for fraud, then you’re not the first and they may be able to assist you. Fraudsters are taking advantage of longer wait times with help centers etc. You may be able to find more information by googling the fraudsters name or any other info you have. Finally, I recommend you document EVERYTHING; what number you called, date and time, name of person you spoke to and what follow up that person has indicated. If all else fails, you can take all of your documentation to the police, but I am hopeful that it won’t be necessary.

[PayPal_Michael · Accepted solution]

Hello, @DjLol. Your concern about the different amounts in the chargeback is understandable, but the situation you have described is due to the way PayPal has to word emails for this kind of situation. I'm sorry if it caused any distress.

Any email you received may have mentioned a "Transaction Amount" and a "Disputed Amount." The "Transaction Amount" would represent what you received and what you may be liable for if the chargeback results in a refund. There is no way PayPal would make you pay $1000 because someone disputed a $0.10 payment.

The mention of a "Disputed Amount" is due to the way the chargeback was submitted but that's not relevant to you and it's something PayPal will deal with. It's also an indication of potential fraud against PayPal, but that's also not something you need to worry about.

Please do respond to any requests for information by logging on to your PayPal account and answering via the Resolution Center.

I hope this helps clarify things. Thanks for your patience during this time.

Sincerely,

Michael

PayPal_Michael

[natbeaut]

Hello, @PayPal_Michael ,

We have almost the same problem the as @DjLol . We are also from Singapore like @DjLol . We have a merchant account and a web-shop. Back in May , we received 4 payment transactions of S$0.10  per transaction for non-existent SKUs, and we informed Paypal immediately that we received suspicious transactions on our account, however we only received a robot response without any useful information on how to resolve it. On 21 Aug 2020, 3 months after, we received 4 emails from Paypal, each informing us that the "buyer" has disputed the transactions as unauthorized payments and has filed for a charge-back of S$366.66 per S$0.10 payment.

When we attempted to respond to this dispute, the only options given to me are as follows:

1. I've already shipped the product or provided the service
2. I've already issued a refund
3. I'll issue a refund to the buyer and close this case

Option 1 is not applicable because the sales transaction was not generated through my web-shop, the order details in the payment was for an SKU that does not exist in our catalogue. Secondly, the transaction incurred a S$0.10 Paypal fee and the Net Amount is S$0.00.

Thirdly, the "buyer's" payment was sent directly to our Paypal account, it did not go through our web shop.

Option 2 We did not issue a refund to the original payment as we were concerned that this is a fraud attempt probing for active Paypal account and if we refunded this it would reveal that there is an active Paypal account with our email address. Therefore we wrote to Paypal asking for advice on how to settle this issue but we did not get any response to help.

Option 3 If we select this option, we were worried that we would be refunding the "buyer's" disputed amount of S$366.66 for each of the S$0.10 transaction.

Out of all the above options, we cannot select any. We tried to look for a Paypal contact point or person/team , but we cannot find any point of direct contact that is not automated.

We would appreciate you could advise us on the above.

[natbeaut]

Hello @PayPal_Michael ,

We have a similar problem as @DjLol . We are also from Singapore. We have a merchant account and a web-shop. Back in May , we received 4 payment transactions of S$0.10 per transaction for non-existent SKUs, and we informed Paypal immediately that we received suspicious transactions on our account, however we only received a robot response without any useful information on how to resolve it. On 21 Aug 2020, 3 months after, we received 4 emails from Paypal, each informing us that the "buyer" has disputed the transactions as unauthorized payments and has filed for a charge-back of S$366.66 per S$0.10 payment.

When we attempted to respond to this dispute, the only options given to us are as follows:

1. I've already shipped the product or provided the service
2. I've already issued a refund
3. I'll issue a refund to the buyer and close this case

Option 1 is not applicable to us because the sales transaction was not generated through my web-shop, the order details in the payment was for an SKU that does not exist in our catalogue. Secondly, the transaction incurred a Paypal fee of S$0.10 and the Net Amount was S$0.00. Thirdly, the "buyer's" payment was sent directly to our Paypal account, it did not go through our web shop.

Option 2 We did not issue a refund to the original payment as we were concerned that this is a fraud attempt probing for active Paypal account and if we refunded this it would reveal that there is an active Paypal account with our email address. Therefore we wrote to Paypal asking for advice on how to settle this issue but we did not get any response to help.

Option 3 If we select this option, we were worried that we would be refunding the "buyer's" disputed amount of S$366.66 for each of the S$0.10 transaction.

Out of all the above options, we cannot select any. We tried to look for a Paypal contact point or person/team , but we cannot find any point of direct contact that is not automated.

We would appreciate you could advise us on the above.