USA. In USA your chargeback initially is usually taken on face. They'll usually reverse the charge within a week or so. But after that they let the merchant appeal it.

Most merchants won't. But if they do, your bank isn't going to bat for you. If it looks like it's going to take them much time or effort to deal with it they're liable to just throw up their hands and let you duke it out in small claims court.

In my case they had a megacorp ready to fight it on one side, and little old me on the other. So some lady on the phone just insinuated I was a lying scammer and told me my case had been reversed. There was some sort of appeal process I tossed my hat into but it went straight to radio silence and I've not heard from them in years. I would have taken them to court but I moved cross country around the same time and it would cost me $2000 or so for airfare and hotel rooms to show up to the right courts to get $1000 in judgements.

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lxgr 2 hours ago | parent | next [-]

> If it looks like it's going to take them much time or effort to deal with it they're liable to just throw up their hands and let you duke it out in small claims court.

In the US, couldn't you just make it their problem by not paying the disputed portion of your bill? (I haven't tried this myself and don't know how hard it is to dispute a negative credit report without going to small claims court in the end.)

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evan_a_a 4 hours ago | parent | prev [-]

I am a bit confused about your situation. Did you have a stolen card used to make a purchase at ebay that was not under your account? Or did you make a purchase at ebay and have an issue with the product you received?

	▲	mothballed 4 hours ago \| parent [-]
		Scammer created two e-bay accounts. One with my name but e-mail address "pirate" something. A second one, a scammer merchant account to wash the money. They stole my credit card and used the bogus "me" ebay account to generate invoices (to my real address) and payments for goods from the second scammer merchant account. Then they found tracking numbers to my zip code. They bought the (fake) items from their scammer merchant account using their scammer "me" account. They used those tracking numbers to show the items were shipped and received to someone in my zip code (which is the only publicly available data from the tracking number). Of course, at no point were any of the goods "purchased" by "me" even real, but rather just ways to wash the credit card returns. When I discovered what happened, I requested ebay refund it. Ebay claimed that since the accounts weren't actually mine (only in my name) I had no right to request a refund. So I could claim they were mine and then be ineligible for a refund because the underlying reason would be vaporized, or not claim them as mine and then be unable to ask for a refund because it's not actually my account -- a catch 22. The tracking numbers, again, since they weren't actually to me, the shipping companies refused to reveal the underlying data to me and I couldn't get any of the evidence showing it wasn't me. At that point, I had my bank do a chargeback. Which they initially granted. I thought it was a done deal at that point. Ebay sent all these invoices matching my name, with tracking numbers to my zip code, with my credit card being billed, etc to my bank along with a bunch of pages of banking mumbo jumbo about how the chargeback was wrong. At that point my bank turned face, called me a liar, and reinstated the charges. Not long after this, I noticed e-bay shut down the scammer account but they never refunded me the money. I assume the scammer had sucked out the money faster than e-bay could act to claw it back and when e-bay realized they'd be holding the bag they decided to dump it on the fraud victims.