£1k Fake ebay purchases - what to do?

unwashed potato! · Friday at 11:20

Yesterday a friend had various purchases made in his ebay account for £1k in total. Only noticed today as payment came out today.

Spoke to bank, they say we have to speak to the company bought from.

Speaking to ebay now, but wondered what is the right steps here.

Perhaps ebay will sort, but to avoid wasted time, should the bank not reverse this straight away if told this is fraud?

The main issue is this person doesn't have the money, it's made them over drawn and have bills to pay.

Thanks

Zefan · Friday at 11:22

More info needed I think, was it taken out of his account via PayPal?

:edit: I have had stuff reversed in the past when reporting fraudulent transactions, maybe it depends on the bank. Mine was with Lloyds, at least 5 years ago.

malachi · Friday at 11:24

Was his ebay account hacked? Did you advise them to enable multi factor authentication after changing their password ? To stop any further purchases.

Was the purchases made with PayPal?

Schizophonic · Friday at 11:25

Yeah its going to be a long winded process as both side will need to do its checks.
I thought you can't change delivery address on ebay purchases on checkout?

Efour · Friday at 11:26

Start by reporting fraud to your bank surely as ultimately they will pay it back.

unwashed potato! · Friday at 11:28

Looking at the screenshot they sent me, looks like it wasn't PayPal but card.

It's being sent to the same address, however item is coming from China. I guess they get their money and never send anything?

It was a load of purchases valued about £130 on average

cainer · Friday at 12:02

unwashed potato! said:
The main issue is this person doesn't have the money, it's made them over drawn and have bills to pay.

+ "Looking at the screenshot they sent me, looks like it wasn't PayPal but card."

This is why you should only have a credit card listed as a payment method for online shopping

alexakasloth · Friday at 12:08

Your friend needs to speak to their bank again and raise a fraud case as it's an unauthorised purchase.

Diagro · Friday at 12:16

unwashed potato! said:
Looking at the screenshot they sent me, looks like it wasn't PayPal but card.

It's being sent to the same address, however item is coming from China. I guess they get their money and never send anything?

It was a load of purchases valued about £130 on average

Shame they cannot wait, claim non delivery then get a refund

413x · Friday at 12:20

Can your friend message the sellers and tell them not to ship?

Oh. Unless the scammer has bought from themselves!

dlockers · Friday at 13:07

Why are you getting involved?

Friend should contact bank, and bank should cancel card/put charges into dispute. If it is found it happened due to negligence then person will be found liable. If it is found to be a "hack" then bank will eat the cost.

Over £130 means you get S75, and you get a comparable protection if debit card IIRC.

unwashed potato! · Friday at 14:59

dlockers said:
Why are you getting involved?

Friend should contact bank, and bank should cancel card/put charges into dispute. If it is found it happened due to negligence then person will be found liable. If it is found to be a "hack" then bank will eat the cost.

Over £130 means you get S75, and you get a comparable protection if debit card IIRC.

Theres like 7 transactions that average about that. Some more

I'm helping due to poor English in their part, and I'm working at the moment so don't have time to properly research, so figured the smart heads here know.

They already spoke to bank who told them to go to ebay. Just seemed like the bank should do more imo

Blackjack Davy · Saturday at 12:58

Its really an eBay issue if its specifically fraud there shouldn't be too much of an issue the onus is very much on the seller to prove it isn't what the buyer says it is

unwashed potato! · Saturday at 13:46

Thanks all. Seems ebay have refunded it all

Vanquish-Storm · Saturday at 13:52

Who’s the bank?

slinxy · Saturday at 15:46

Someone hacked my account during the time the iPhone first came out and made a over price purchase of the phone from my paypal.

I spoke to my bank, they money was returned to my credit card immediately and they said they would deal with eBay/paypal…. Didn’t hear anything else after that.

Now that there’s paypal credit, it’s worth opening a paypal account even if you don’t use it… stops other people opening one in your name. Me and my mates use paypal all the time to transfer cash for meal, tickets, etc.. all the time. Saves us having to know each others account numbers.

unwashed potato! · Saturday at 15:59

Vanquish-Storm said:
Who’s the bank?

Barclays

yak.h'cir · Saturday at 18:53

Must have been stressful when he discovered that one! Good that it's been sorted.

Scam · Saturday at 20:30

I don’t understand this. Your bank have a responsibility to protect you here. As soon as you claim a transaction is fraudulent they should be all over it. Definitely not leaving it up to eBay :confused:

kaiowas · Saturday at 20:38

slinxy said:
Someone hacked my account during the time the iPhone first came out and made a over price purchase of the phone from my paypal.

I spoke to my bank, they money was returned to my credit card immediately and they said they would deal with eBay/paypal…. Didn’t hear anything else after that.

Now that there’s paypal credit, it’s worth opening a paypal account even if you don’t use it… stops other people opening one in your name. Me and my mates use paypal all the time to transfer cash for meal, tickets, etc.. all the time. Saves us having to know each others account numbers.

I try and use Paypal when shopping online as much as possible and often shop elsewhere if somewhere doesn't offer Paypal checkout. They may have their issues but as far as I’m concerned the fewer places that have my card details the less chance there is of them becoming compromised.