HRoth - 3:47 pm on Jul 18, 2012 (gmt 0)

Well, that happened to me re the card being stopped by the provider and them not informing me until I went to use it. This meant that pending transactions on the card would end up being chargebakcs, so I had to notify places I'd bought from and give them a different card. This was a Paypal Mastercard. Paypal didn't send me an email, put a notice on my account, nothing. I found out because it was declined and called to see what was up. They said Mastercard canceled my card because of bogus activity. Notice: it was "Mastercard's fault." Whatever.

That said, I have not found Paypal to be a source of bogus chargebacks. In fact, I almost posted here recently because I won a chargeback through them where the customer I guess must have mixed me up with another vendor. I rarely get chargebacks, no evil eye, but in the past three weeks I've had two. Looks like I will win this second one, also through Paypal, as well. It too is claiming an unauthorized use of the card, but what happaned was the customer did not have enough in the Paypal account for the purchase and so Paypal took the remainder from her account. The customer saw it as two payments to me and did a chargeback with her bank. Paypal said all I have to do is show proof of delivery, which I have.

These are the only two chargebacks I have ever won. But yes, sometimes it is not the buyer.