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Chargeback help

Acafaca
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Hello,

I recently got scammed online. A buyer has charged me back, and in a few days the balance will be taken from my bank. My plan is to close my bank account so that can't happen (ie the payment processor can't take back the money).

If I close my bank, will this stop them (the processor) from taking money from my bank and me? I don't want my bank to have to eat it up, I'd feel bad, but I believe if I closed the account, they wouldn't even be able to take it out in the first place.

Is this right?
Thanks... I can't believe I'm posting this on LLT but off topic? :P 

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Posted

You were the seller, sold something to a buyer, and the buyer has charged you back?

 

Tell us the story please.

 

Because in Mongolia, that is a hangable offence Acafaca

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You need to provide more information if you want us to provide an educated answer. I can make assumptions, but they might not help.

-KuJoe

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In Somoa you maybe able to do it.

 

How does a buyer do a chargeback?

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4 minutes ago, yathis said:

In Somoa you maybe able to do it.

 

How does a buyer do a chargeback?

I am Canadian./

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6 minutes ago, KuJoe said:

You need to provide more information if you want us to provide an educated answer. I can make assumptions, but they might not help.

I sold an item on my website (Small business) somebody bought it and pretended they didn't get the actual item, and since our payment processor always listens to the buyer, long story short we got hit with a 2k chargeback. I can't afford to pay it, so I want to close my bank to avoid it.

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Just now, yathis said:

So sorry

 

What bank?

Toronto Dominion

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Just now, Acafaca said:

I sold an item on my website (Small business) somebody bought it and pretended they didn't get the actual item, and since our payment processor always listens to the buyer, long story short we got hit with a 2k chargeback. I can't afford to pay it, so I want to close my bank to avoid it.

Did you provide any sort of tracking number as you would be able to prove that it was shipped and received.

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Just now, RZeroX said:

Did you provide any sort of tracking number as you would be able to prove that it was shipped and received.

They already have it. They claimed they got basically a brick. Believe me, I don't stand a chance... it's the unlucky part of online selling on such platforms. I'll switch to something different. In the meantime, what happens when I close my bank?

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2 minutes ago, yathis said:

You did not do tracking on yout $2k product?

Same as other one:

They already have it. They claimed they got basically a brick. Believe me, I don't stand a chance... it's the unlucky part of online selling on such platforms. I'll switch to something different. In the meantime, what happens when I close my bank?

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Just now, yathis said:

Live & Learn

Yes, but what happens when I close my bank?

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well ask them for it back and if it isn't broken then resell it, and it if is broken as long as you have insurance for the shipment ask the shipper to cover the cost. 

Good luck, Have fun, Build PC, and have a last gen console for use once a year. I should answer most of the time between 9 to 3 PST

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"Stupidity is like trying to find a limit of a constant. You are never truly smart in something, just less stupid."

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Just now, GDRRiley said:

well ask them for it back and if it isn't broken then resell it, and it if is broken as long as you have insurance for the shipment ask the shipper to cover the cost. 

Okay, okay, but what happens if I just close the bank?

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Just now, Acafaca said:

Okay, okay, but what happens if I just close the bank?

that is a lot of work and the bank will most likely not allow you to

Good luck, Have fun, Build PC, and have a last gen console for use once a year. I should answer most of the time between 9 to 3 PST

NightHawk 3.0: R7 5700x @, B550A vision D, H105, 2x32gb Oloy 3600, Sapphire RX 6700XT  Nitro+, Corsair RM750X, 500 gb 850 evo, 2tb rocket and 5tb Toshiba x300, 2x 6TB WD Black W10 all in a 750D airflow.
GF PC: (nighthawk 2.0): R7 2700x, B450m vision D, 4x8gb Geli 2933, Strix GTX970, CX650M RGB, Obsidian 350D

Skunkworks: R5 3500U, 16gb, 500gb Adata XPG 6000 lite, Vega 8. HP probook G455R G6 Ubuntu 20. LTS

Condor (MC server): 6600K, z170m plus, 16gb corsair vengeance LPX, samsung 750 evo, EVGA BR 450.

Spirt  (NAS) ASUS Z9PR-D12, 2x E5 2620V2, 8x4gb, 24 3tb HDD. F80 800gb cache, trueNAS, 2x12disk raid Z3 stripped

PSU Tier List      Motherboard Tier List     SSD Tier List     How to get PC parts cheap    HP probook 445R G6 review

 

"Stupidity is like trying to find a limit of a constant. You are never truly smart in something, just less stupid."

Camera Gear: X-S10, 16-80 F4, 60D, 24-105 F4, 50mm F1.4, Helios44-m, 2 Cos-11D lavs

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Just now, GDRRiley said:

that is a lot of work and the bank will most likely not allow you to

What do you mean? I just go there and say I don't need it anymore, and they will close it. It shouldn't be hard. The chargeback won't hit my bank for another while (few days)...

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Just now, Acafaca said:

What do you mean? I just go there and say I don't need it anymore, and they will close it. It shouldn't be hard. The chargeback won't hit my bank for another while (few days)...

most banks will be question 

Good luck, Have fun, Build PC, and have a last gen console for use once a year. I should answer most of the time between 9 to 3 PST

NightHawk 3.0: R7 5700x @, B550A vision D, H105, 2x32gb Oloy 3600, Sapphire RX 6700XT  Nitro+, Corsair RM750X, 500 gb 850 evo, 2tb rocket and 5tb Toshiba x300, 2x 6TB WD Black W10 all in a 750D airflow.
GF PC: (nighthawk 2.0): R7 2700x, B450m vision D, 4x8gb Geli 2933, Strix GTX970, CX650M RGB, Obsidian 350D

Skunkworks: R5 3500U, 16gb, 500gb Adata XPG 6000 lite, Vega 8. HP probook G455R G6 Ubuntu 20. LTS

Condor (MC server): 6600K, z170m plus, 16gb corsair vengeance LPX, samsung 750 evo, EVGA BR 450.

Spirt  (NAS) ASUS Z9PR-D12, 2x E5 2620V2, 8x4gb, 24 3tb HDD. F80 800gb cache, trueNAS, 2x12disk raid Z3 stripped

PSU Tier List      Motherboard Tier List     SSD Tier List     How to get PC parts cheap    HP probook 445R G6 review

 

"Stupidity is like trying to find a limit of a constant. You are never truly smart in something, just less stupid."

Camera Gear: X-S10, 16-80 F4, 60D, 24-105 F4, 50mm F1.4, Helios44-m, 2 Cos-11D lavs

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Just now, GDRRiley said:

most banks will be question 

can't I just say I don't need it anymore?

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Just now, Acafaca said:

can't I just say I don't need it anymore?

you can but they may not close it right away

Good luck, Have fun, Build PC, and have a last gen console for use once a year. I should answer most of the time between 9 to 3 PST

NightHawk 3.0: R7 5700x @, B550A vision D, H105, 2x32gb Oloy 3600, Sapphire RX 6700XT  Nitro+, Corsair RM750X, 500 gb 850 evo, 2tb rocket and 5tb Toshiba x300, 2x 6TB WD Black W10 all in a 750D airflow.
GF PC: (nighthawk 2.0): R7 2700x, B450m vision D, 4x8gb Geli 2933, Strix GTX970, CX650M RGB, Obsidian 350D

Skunkworks: R5 3500U, 16gb, 500gb Adata XPG 6000 lite, Vega 8. HP probook G455R G6 Ubuntu 20. LTS

Condor (MC server): 6600K, z170m plus, 16gb corsair vengeance LPX, samsung 750 evo, EVGA BR 450.

Spirt  (NAS) ASUS Z9PR-D12, 2x E5 2620V2, 8x4gb, 24 3tb HDD. F80 800gb cache, trueNAS, 2x12disk raid Z3 stripped

PSU Tier List      Motherboard Tier List     SSD Tier List     How to get PC parts cheap    HP probook 445R G6 review

 

"Stupidity is like trying to find a limit of a constant. You are never truly smart in something, just less stupid."

Camera Gear: X-S10, 16-80 F4, 60D, 24-105 F4, 50mm F1.4, Helios44-m, 2 Cos-11D lavs

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3 minutes ago, GDRRiley said:

you can but they may not close it right away

Should I ask them to block all transactions? What should I do. I don't really want to get into trouble. 

I believe the easiest would be to just outright close it.

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7 minutes ago, Acafaca said:

Okay, okay, but what happens if I just close the bank?

Okay, it totally sucks that you got scammed and it is true that most payment processors will heavily side with the consumer and chargebacks can be abused to the point of fraud easily.  That said, if you close your bank account, you are going to entirely burn that bridge with your payment processor.  They will likely send a collection agency after you and might try to SUE you for the money even.  More over, you can bet that that $2000 outstanding debt will go on your credit rating which could interfere with you accessing other financial services in the future, particularly business related services.

 

You should very seriously weigh your decisions here.

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3 minutes ago, Acafaca said:

Should I ask them to block all transactions? What should I do. I don't really want to get into trouble. 

do what I said above, you may just have to be out that money for a while

Good luck, Have fun, Build PC, and have a last gen console for use once a year. I should answer most of the time between 9 to 3 PST

NightHawk 3.0: R7 5700x @, B550A vision D, H105, 2x32gb Oloy 3600, Sapphire RX 6700XT  Nitro+, Corsair RM750X, 500 gb 850 evo, 2tb rocket and 5tb Toshiba x300, 2x 6TB WD Black W10 all in a 750D airflow.
GF PC: (nighthawk 2.0): R7 2700x, B450m vision D, 4x8gb Geli 2933, Strix GTX970, CX650M RGB, Obsidian 350D

Skunkworks: R5 3500U, 16gb, 500gb Adata XPG 6000 lite, Vega 8. HP probook G455R G6 Ubuntu 20. LTS

Condor (MC server): 6600K, z170m plus, 16gb corsair vengeance LPX, samsung 750 evo, EVGA BR 450.

Spirt  (NAS) ASUS Z9PR-D12, 2x E5 2620V2, 8x4gb, 24 3tb HDD. F80 800gb cache, trueNAS, 2x12disk raid Z3 stripped

PSU Tier List      Motherboard Tier List     SSD Tier List     How to get PC parts cheap    HP probook 445R G6 review

 

"Stupidity is like trying to find a limit of a constant. You are never truly smart in something, just less stupid."

Camera Gear: X-S10, 16-80 F4, 60D, 24-105 F4, 50mm F1.4, Helios44-m, 2 Cos-11D lavs

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2 minutes ago, AshleyAshes said:

Okay, it totally sucks that you got scammed and it is true that most payment processors will heavily side with the consumer and chargebacks can be abused to the point of fraud easily.  That said, if you close your bank account, you are going to entirely burn that bridge with your payment processor.  They will likely send a collection agency after you and might try to SUE you for the money even.  More over, you can bet that that $2000 outstanding debt will go on your credit rating which could interfere with you accessing other financial services in the future, particularly business related services.

 

You should very seriously weigh your decisions here.

What are the chances stripe will sue me. That sounds very scary o.O I can't afford to loose $2000, I am still a student and that would possibly force me to drop out for a year... How would it affect my credit rating? Wouldn't only stripe know about it? My bank wouldn't know about it right?

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