On May 1, 2009 I received an e-mail for PayPal that a chargeback dispute had been filed against me. They promptly removed $217.54 from my account balance and thus the dispute had begun. There was an investigation and I provided everything that I had to support my case to PayPal. At that time they would not disclose to me any of the details other than my buyer reported that what she received was "significantly not as described" I proved that she received everything she ordered and submitted emails from her stating that she was satisfied with her purchase. I won the PayPal dispute and they sent me an e-mail stating they would fight on my behalf that American Express returns my money to me. Details can be found here...
The ongoing dispute lasted a total of 2 months and 3 weeks before I received an email from PayPal that AM EX would not release my money. They had sided with the buyer.
I would like to know why I (the one whom the money was recovered) was not part of the dispute process. PayPal said that this is their policy, that when they agreed to take credit cards, PayPal would abide by their ruling, I did not make that agreement and it was not PayPal's money that was taken it was mine. I am frustrated because I have no idea what went on in the dispute process, I do not even know why I lost since I won the PayPal dispute. I have been provided with no details, I only know that the thief who filed the charge back, Merriem Wombacher aka (SweetSue98) received the goods, the money, I even paid for the shipping. I filed a police report in my community, I am still considering whether it is worth the cost to take her to small claims court. The officer that spoke to her called me and told me that I defamed her. No defamation here! What I stated was the truth. If her reputation is ruined, she did it to herself.
I would warn anyone who sells on line, and uses PayPal to be very careful. This online theft is legal. You have very little in the way of options available to you. Every time you accept a payment from a buyer you run the risk of a chargeback.