What is the name of your state? CA
Hi. Here is my situation.
I sold an item for around $2100. The buyer lives in France (Yeah, not smart, I know now) and told me he could pay through PayPal. We tried setting up the payments, but it appears that he had a limitation on his Credit Card, so he sent like 4 or 5 payments of 350 euro and one of 75euro from his Credit Card which equaled out to the cost of the item and my shipping charges.
I send the item. A couple of weeks later he files a claim through PayPal stating he never got it and think I am a "Scammer" and wants his money back. I provide a FedEx tracking number to PayPal which shows that he recieved the item and SIGNED for it. One week later, the PayPal investigation is complete and I WIN the claim and get to keep my money. He sends me a few emails calling me a scammer and wants his money or something, I just disregard these.
I buy some things here and there and transfer the leftover money to my bank account. About 2-4 months later, I get an e-mail from PayPal. The buyer apparently filed a Credit Card Chargeback stating "Unauthorized Use" (e-mail on Nov 14). PayPal immedatly debited my account to -2100$ (which I am aware they can do, due to their TOS I agreed to), because the CC refunded the guy but is still pending investigation, I have no problem with that as I hope I am going to win the chargeback.
Although I am not covered by the SPP (Seller Protection Policy), PayPal said they would help me dispute this as I won the PayPal claim. They said it would take the Credit Card company about 75 days to come to a decision and they also said I would need to restore the balance on my account, I asked if I could wait it out and see if I win or not, they said this was fine, on Phone and through e-mail.
December 28th I get an email from a BBrown asking me to call him and that he is with a Collection Agency. I did some research and he deals with PayPal collections (google search of [email]firstname.lastname@example.org[/email]).
I haven't called him, but I was wondering what was your guys thoughts on this matter? PayPal has not notified me that the chargeback case has been closed yet, I emailed them on this matter and asked about the collection agent. Do I have any rights? Also, if per say I lose the chargeback, do I have to time frame to pay off the debt and can I dispute it?
Any help would be appreciated. Thanks in advanced.