night_2004
2[H]4U
- Joined
- May 31, 2007
- Messages
- 2,229
I'll just throw out there for future reference that you can do chargebacks if you used a credit card via PayPal, only that it's not a good idea until you've gone through PayPal's formal dispute process (after-all, it's not PayPal's fault). It actually works quite well if your credit card company approves it, since it completely bypasses the merchant. When PayPal gets hit with a chargeback, they'll just automatically withdraw the charge from the merchant's PayPal account so they don't take a loss. I had to do this once years ago, since I had a PayPal dispute which ruled in my favor, but PayPal's payment protection policy was idiotic back and they were only giving me a partial refund. Soon after I filed the chargeback, PayPal bypassed their policy, gave me a full refund, and then reversed the chargeback to stay in good standing with my credit card company. The irony was a few months after that, was back when PayPal completely revamped their payment protection policy to be more consumer friendly as far as refunds are concerned, and designed in such a way to avoid PayPal getting hit with chargebacks because of their own idiotic policys. Overall, PayPal is now quite good at issuing refunds and resolving disputes in favor of the consumer.
Keep in mind that chargebacks are horrible for merchant's relationship with the likes of Visa and Mastercard which don't take kindly to fraud (assuming you have a legit claim). If a merchant gets too many chargebacks in a short period of time, they get blacklisted from processing credit card payments altogether. This is why you'll either hear about black/white situations of companies getting extremely nasty (chargeback -> merchant refund refused ->chargeback remains), or extremely accommodating (chargeback -> merchant refund issued -> chargeback reversed). Be smart, and only use chargebacks as a last resort on legitimate claims, and you should never have an issue. Though obviously it helps to protect yourself, and for things like RMAs, you should always take picture evidence of anything you ever return so you never get screwed over.
As per my discussion with NewEgg CS (with regards to that Facebook ban) they mentioned that if a customer initiates a chargeback they may find themselves unable to order from NewEgg in the future. Probably not really an issue if you're exploring the option as a last resort.
But yeah, during my conversation they seemed REALLY adamant that they like to avoid chargebacks when they can. It's almost like they are already on thin ice with the processors and want to avoid trouble. Pure speculation but I wouldn't be surprised given how they've acted.