Below is a copy of a (live chat) that I had with an Ebay agent, when a 1.25 seller fee that was charged to my Ebay account. The Ebay account then (automatically) tried to charge a credit card at the Ebay site (not paypal) which was at the time set to (none) by myself. When the machine couldn’t charge a CC at Ebay, it defaulted, then charged me 15.00 – as if I had written a bad check. Keep in mind I do have a Paypal account with a CC on file, and that I have been using it for over a year. And, I have been paying all seller fees with that account, my account was/is in good standing up to this 1.25 charge point.
The error in Ebay’s system, is that it should not charge you a 15.00 fee, before sending you an email, and letting you know: ( You have no CC on file at Ebay – you are in danger of being charged 15.00 ) something like that and maybe two days to change a setting? And or pay the 1.25 using my paypal account?
Anyway, below is a copy of the complete chat.
Oddel De.
Hello, thank you for waiting and welcome to eBay Live Help! My name is Oddel D. How may I assist you today?
jpghostcar
Hi – I received this: Direct Pay Returned Item (May-19)
Reason: Account not found
And was charged 15.00
Oddel De.
Let me check that for you. May I have your name please?
jpghostcar
My account at Paypal has a valid CC – and – I have a credit in the account
jpghostcar
xxxxxxxxxxx
Oddel De.
Thank you, John. Basically, you were charged with returned payment fee, correct?
jpghostcar
Yes – i think that is the definition
Oddel De.
Let me check. While checking on this, do you have other concerns you might want me to look into?
jpghostcar
no thats the only thing – everything else is great
Oddel De.
There was an automatic billing payment on May 15, 2011. Since there was no automatic payment method on file. The system tried to process it through your direct debit and it was not successful.
jpghostcar
Right – my account is not verified
jpghostcar
But my account at Paypal has a valid CC – and – I have a credit in the account
Oddel De.
There was no automatic payment method for seller fees at that time.
jpghostcar
by ebay?
is this new?
Oddel De.
No.
jpghostcar
I guess what im not understanding is that – I have 1,600 availble credt on my CC in Paypal – yet a simple payment of 1.25 did not go through?
Oddel De.
It was not charged on your PayPal account. It was charged on your direct debit.
jpghostcar
I have no direct debit card
ive never had one
Oddel De.
The $15 return service fee was charged to your account because your bank declined to pay your seller fee. This could be because the bank account number you gave us was incorrect or outdated, or the account was unable to accept the charge.
Oddel De.
The last four of your direct debit on file was 7815.
jpghostcar
Thats what i thought – until I went to paypal and verified my account is active and the CC on file is in good standing. As well I have a credit on file at Paypal. My concern is where did this Debit card attempt come from?
No the last 4 digits are and have always been 5529
Oddel De.
At that time the 5529 was not on the account. You may check your Payment method for Seller fees is set up to none.
jpghostcar
if its set up to none – then there should be no attempt at getting an automatic payment?
5529 is set up at Paypal and has been for well over a year or more
Oddel De.
The system will process the payment automatically to your direct debit if you will remove your credit card on file.
jpghostcar
Direct debit? – I dont have a direct debit account – only Paypal
Oddel De.
The 7815 that was stored on our system.
jpghostcar
is there an expire date on the one stored on the CC in your system?
Are there any payments to ebay from me, in the recent months?
Oddel De.
There’s an expiration date stored for your credti card on file.
This was the recent paymetn.
jpghostcar
And that expiration date is for which CC?
Oddel De.
*payment
for 5529 expired until 2013.
jpghostcar
5529 has 1,600 in credit – and is the CC on file at Paypal
this was confirmed before I chatted you
Oddel De.
When the sytem processed your payment, your 5529 was not on file. You may have removed it. So our system automatically process the payment through your direct debit on file.
jpghostcar
If the system is automatically charging an account that is not there. Is the system in error?
This 5529 CC has been on file with Paypal for at least a year – all of my fees to ebay have been paid through the papal account
Oddel De.
No. the system is set up to automatically process it to make sure that your seller fees. It your account is past due, it may lead to account suspension or termination of your account. It’s not on file. You may cehck your Account tab under Payment for Seller fees, it was set up to None.
jpghostcar
Was my account past due?
I will be happy to pay the 1.25 through my Paypal account.
Oddel De.
Not yet. you may need to pay it until last day of May.
You would need to set up your automatic payment method on file.
jpghostcar
Is the automatic payment method a requirement in order to Sell and Buy on Ebay?
Oddel De.
Exactly.
jpghostcar
Regarding the ‘Automatic payment’ Would this account be descibed as a ‘Verified’ account?
Oddel De.
If you will use your PayPal account, It needs to be verified by PayPal.
This is for security purposes.
jpghostcar
And this type of Paypal account you are referring to – do you mean a ‘Verified’ account?
Oddel De.
Yes. however your PayPal account is not yet verified.
jpghostcar
Yes – This I know – they and Ebay want direct access to my Bank account.
Since the system attempted to bill me through an account that wasn’t there. I feel that the system is in error. I would like the 15.00 payment charge removed from my account.
Oddel De.
This fee is described in the Direct Pay Agreement when you add your checking account information to file, or submit a one-time payment.
This fee is non-refundable.
jpghostcar
I have not done either of these ever: checking account information to file, or one-time payment.
Oddel De.
You put the direct debit information on 05/19/2006 on file.
jpghostcar
I have no direct debit cards.
Since the system attempted to bill me through an account that wasn’t there. I feel that the system is in error. I would like the 15.00 payment charge removed from my account.
Oddel De.
It’s a bank account.
jpghostcar
Since the system attempted to bill me through an account that wasn’t there. I feel that the system is in error. I would like the 15.00 payment charge removed from my account.
Oddel De.
This fee is non-refundable.
jpghostcar
Then my Ebay account will be terminated. No fee will be sent to Ebay.
Oddel De.
I would suggest to pay the current fee first then contact us for possible reversal on it once your payment clears.
jpghostcar
This chat of course will be posted to all Ebay fee review sites for examination. Since my account is/was in good standing, and the fee in question was over 1.25 – I do find this quite strange that a machine and the policy it enforces would have any sway over a live human.
Oddel De.
I’m sure that you were aware of your seller fees. If you will remove your automatic payment method on file, you would need to replace it with a valid payment method.
jpghostcar
“a valid payment method.’ which means a direct connect to my bank account.
Oddel De.
If it is not a valid payment method, it would be returned again. Please put a payment method on file. It is currently set up to none. Then you can pay for the fees and contact us again for a possible reversal.
jpghostcar
And if you look closely at my seller fees, they have been paid for. The 1.25 – that turned into 20.00 – all coming from Ebay, is what has changed my relationship with Ebay.
Oddel De.
I understand that you wanted it credited, I already give you teh process on how to ask for it.
jpghostcar
How do I contact you again for a possible reversal?
What would I possibly discuss with another representative, that I haven’t already discussed with you?
Oddel De.
The same process on how you contacted us and look for a Billing Support Agent.
Once your payment cleared, you may just ask for the credit.
jpghostcar
Thank you Oddel De.
Chat Session Ended, Goodbye. (5010)
So -I will diligently follow up and let you know if they refund my 15.00 fee. I still believe the system is set up in this way to default, and charge you (acting like a bad check). The solution; to save time on both sides of the counter, the system could easily; send you a warning email, and give you a couple of days to pay the 1.25 fee (before it defaults). Also, regarding verified accounts: Bank fraud has two sides. If Ebay is hacked and your account numbers obtained, the thief can clean out your savings. Leaving you to battle with second party Ebay to get your savings back.
When you have a CC on file with paypal, there are stop gaps in place, such as passwords that must be entered to get to your CC acount. And.. even if the CC has been gotten too, you have an excellent chance of disputing the charges.
I will post a follow up on the 15.00 Ebay charge.
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