It seems that I have become an addition to this list of victims however, my situation is a bit different. On July 21 2018 a customer purchased goods from my website and it was delivered on July 23rd 2018. In November, the cardholder filed a dispute with their bank for the charges. Immediately, we contacted the customer and was then advised that 1. The card did not belong to him, but he did have permission to use it 2. The card holder and himself had a dispute which resulted in the card holder filing chargeback claims on transactions relating to him Due to our location, we do deliveries ourselves and collect signatory proof on delivery - tracking is not available. I explained this to the PayPal representative when the dispute was first opened and they acknowledged that this was ok. Not only do we have signature proof, the customer is also confirming that they received the items. As a seller, should I be responsible for a dispute between the customer and the cardholder? Should I now have to go through an entire legal process with the customer since they are claiming that they do not have the funds to pay for the goods? From my experience, when a card is added to a PayPal account, the account needs to be verified by uploading a credit card statement and Photo ID before any purchases can be made. What is the purpose of this if I am being held responsible for a chargeback? Where exactly is the Seller Protection? If I have the customer confirming that the goods were received, then why not apply the chargeback to their account?
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