I had 14 chargebacks from the same client for the last seven months of a subscription. These were disputed on 2/1/19 as "unauthorized", verified by PayPal the same day (in violation of PayPal's 7-day resolution period), deducted from my account, and closed -- before I even saw the emails. I reached out to PayPal on the Resolution Center (on 2/2), and have heard nothing. There's a ton of evidence that these ARE authorized by many emails to/from the client.
As it turns out, the client's credit card had been hacked and they hurriedly went through their statements and disputed anything they didn't recognize, which unfortunately included me. They are immediately sending me a check. But if they were not ethical people, I would be out $2,400 because PayPal ignored their own dispute resolution procedures. More than likely they would have ignored all the evidence as well.
I'm rightfully afraid now, knowing that any client can reverse any charge going back into ancient history. Just a few unethical people could bankrupt me, and I apparently have no protection from PayPal.
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