| Have you been a victim of online transaction fraud? If | | | | protected to some level. You should also provide your |
| you have bought items on eBay or other 3rd party | | | | credit issuer with proper documentation to help them |
| marketplaces, you have probably had an experience | | | | resolve the situation in your favor. The best way to go |
| with a seller who has tried to take your money without | | | | is to save all the communications and transaction |
| delivering on her promise. If you are a victim of online | | | | documents that you have from the seller and forward |
| fraud, you are not without hope. There are steps you | | | | them to your issuer's investigation team. |
| can take to prevent and fight online fraud: | | | | Internet Crime Compliant center: if your charge-back is |
| PayPal Protection: Most online marketplaces allow you | | | | rejected by your card issuer, you should contact the |
| to use PayPal as the safer method of payment. | | | | authorities about your online transaction. Internet Crime |
| PayPal comes with numerous protection policies for | | | | Compliant Center (IC3.gov) is one of the best places to |
| sellers and buyers. Unfortunately, unethical sellers | | | | go to file a police report against the fraudulent seller. |
| always find holes in the best protections plans. For | | | | You need to make sure you have all the |
| instance, if you buy a digital product using PayPal, and | | | | documentation handy to provide the investigators with |
| you do not receive your product, there is a good | | | | information about the seller. Please make sure to use |
| chance that you won't get your money back. But you | | | | this as the very last resort. If you file a complaint with |
| should file your dispute with PayPal regardless and | | | | IC3.gov, real investigators will be on your case, which |
| push them to move your case forward. | | | | means you will be held responsible for any lies. So |
| Credit Card fraud protection: if PayPal does not honor | | | | make sure to tell the truth. |
| its buyer protection policy, you should contact your | | | | Online fraud is very common these days. While |
| credit card issuer to ask for a charge-back. Most | | | | services such as PayPal make it hard for fraud artists |
| credit card companies will ask you for transaction | | | | to trick folks, fraud still happens every day. By using a |
| details to investigate. So there is a chance that your | | | | safe credit card you can protect yourself against most |
| chargeback can be rejected (especially if PayPal | | | | fraud cases, but in worst case scenario you should not |
| challenges your charge-back). It is essential for you to | | | | be shy about contacting the authorities to report any |
| use a $0 fraud liability card to make sure you are | | | | fraud cases. |