I searched and couldn't find another thread about this.
I used to sell makeup and skincare on Ebay. Nothing major, but I did about $500-$1000 a month in sales. I've ended the business about six months ago because of too many bad buyers, shipping problems, ridiculous fees and the new Ebay rules. I got fed up with Paypal always siding with the buyer in disputes and after the last one decided to take a (mini) stand.
I had a buyer that purchased a Peter Thomas Roth Unwrinkle serum, which I sold for $60 BIN. I shipped it promptly and well-packaged, like always, and the serum was factory sealed in plastic.
About one month later the buyer sends me an email saying the bottle was empty. That she had cut it open to find out there was no product in there and that I had sold her an almost empty container. This was total crap since the bottle was factory sealed! I had sold another at the same time with no problems. I refused to issue a refund and she filed a SNAD paypal claim. I fought the claim with paypal, and I had pictures of the factory sealed bottle. I brought up that it took her a month to file her claim, presumably after she used the entire product and then decided she wanted her money back. But, of course, Paypal didn't care and sided with the buyer.
However, I had already closed the bank account associated with Paypal and my paypal balance was almost zero which went to negative after the reversal. I refused to replenish the account since I didn't think I was in the wrong. Unfortunately I've now received an evil letter from their collection agency, so I guess I will pay the damn thing.
My question is this: Is this going to appear on my credit report and trash my credit over $60? I certainly hope not, but I have no idea and I hope someone will! TIA!
I used to sell makeup and skincare on Ebay. Nothing major, but I did about $500-$1000 a month in sales. I've ended the business about six months ago because of too many bad buyers, shipping problems, ridiculous fees and the new Ebay rules. I got fed up with Paypal always siding with the buyer in disputes and after the last one decided to take a (mini) stand.
I had a buyer that purchased a Peter Thomas Roth Unwrinkle serum, which I sold for $60 BIN. I shipped it promptly and well-packaged, like always, and the serum was factory sealed in plastic.
About one month later the buyer sends me an email saying the bottle was empty. That she had cut it open to find out there was no product in there and that I had sold her an almost empty container. This was total crap since the bottle was factory sealed! I had sold another at the same time with no problems. I refused to issue a refund and she filed a SNAD paypal claim. I fought the claim with paypal, and I had pictures of the factory sealed bottle. I brought up that it took her a month to file her claim, presumably after she used the entire product and then decided she wanted her money back. But, of course, Paypal didn't care and sided with the buyer.
However, I had already closed the bank account associated with Paypal and my paypal balance was almost zero which went to negative after the reversal. I refused to replenish the account since I didn't think I was in the wrong. Unfortunately I've now received an evil letter from their collection agency, so I guess I will pay the damn thing.
My question is this: Is this going to appear on my credit report and trash my credit over $60? I certainly hope not, but I have no idea and I hope someone will! TIA!