If a buyer claims the item was counterfeit or damaged, the bank often sides with them, especially if they have not already filed a return through eBay. 2. How to Fight Back: Documentation is Everything
Based on insights from communities like r/eBaySellerAdvice and r/Ebay, 1. Understanding the Reality: It’s the Bank, Not eBay ebay chargeback reddit
Essential for items over $\approx$$300–$750 (and often recommended for less). If a buyer claims the item was counterfeit
If you already refunded them (e.g., minus shipping), provide that evidence to show good faith. 3. Seller Protections and "Covered" Transactions Understanding the Reality: It’s the Bank, Not eBay
Dealing with a chargeback (or "payment dispute") on eBay is a stressful scenario for any seller. When a buyer bypasses eBay’s Money Back Guarantee and goes directly to their financial institution—claiming "item not as described," "unauthorized transaction," or "item not received"—the process shifts from eBay’s control to the bank's, often leaving sellers worried about losing both their item and their money.
Screenshots of the listing description and all communications with the buyer showing they were satisfied or that they did not read the description.