I sold a 1 oz gold Canadian Maple Leaf $1800 coin to a man in Minnesota on eBay. I recieved a message from another eBay user stating that the buyer filed a chargeback & scammed him out of his money. I didn't want to cancel the transaction & pay $100 in selling fees, so I shipped the coin to the address the eBay user told me to ship to (in Japan, through his eBay account email) using USPS international express shipping (as he requested) because as I now know it doesn't require a
signature (post office claims the package was delivered & is investigating).
One month later (once the sale is removed from eBay & I can no longer work through eBay or even revise my feedback, I get a notice of a chargeback being filed. Having been warned I removed all funds from my bank account & as a result Paypal continually charged my account causing me to incur overdraft fees & close my account. I sent all the proof from the post office, emails from the buyer (from eBay account), messages from other eBayer victim & awaited my judgement. Paypal supposedly sided with me, but the buyer's credit card company American Express has the final decision. They for some reason sided with thier card holder (card located in CA), and Paypal won't insure my sale because I shipped to an address other than the buyer's ebay account address. I've called eBay who said they were powerless, to call Paypal. I called Paypal & they said there is nothing they can do and that they are completely unrelated to ebay despite having "an ebay company" in the signature of every email they send, and advised me to call American Express, who refused to speak to me because I am not "an American Express Merchant." Now Paypal is requesting the $1845 and ebay is demanding their $106 sales fee which they are now charging late fees on, in addition to suspending both of my accounts. I'm at the end my patience, I don't know how many people I've called, no one wants to help, not even the Police, because this is a "civil" matter and supposedly not a criminal matter. I don't think I'll ever see Mr. Izuha in court, so thanks to Paypal and Ebay not warning users such as me of this little loophole burried deep within their monsterous user agreement, it looks like my nonexistent credit score will be ruined. They also have the nerve in their emails to call this theft "an inconvenience" and say that I should just magically produce $2000 which I don't believe I have any obligation whatsoever to pay. Thanks ebay/Paypal!