Recently i sold a item and a customer paid direct into my account, or so i thought!
On my bank statement on Internet banking, it had the deposit and Name of Depositor, I always ask for Ebay Reference Name but i had no problem working out who it was from anyway, It also had The amount Credited to my account.
What i didnt look at was my Balance and Available Balance, if i had i would have realised something was amiss!
The Ebayer had entered a Branch with who i bank with and written a personal cheque from themselves and deposited that cheque into my account! Now on my listings i dont have the option of Personal Cheque or any cheque for that matter, so was extremely upset when i had found out about this.
As most people would do when seeing a deposit made into there account, I marked the Transaction as paid and sent the Item!
A week down the track...
After this Ebayer has received this item (and never left me feedback!!!! Figured thats the least they could have done) I notice that my bank account has received a fee, i call the bank and find out that a cheque that had been deposited was declined (i didnt even know that i could get a fee for somebodies lack of funds!)So i go through my bank statement trying to figure out what deposit was missing and realised that I had just been scammed by a Ebayer without even knowing!!!
I dont know if this has happened to anybody else but here is some simple tips to help avoid this from happening -
1. Always look at Balance and Available Balance, if these are different find out why!
2. I Recommend asking customers to copy and paste banking receipt in checkout to confirm the payment method.
3. Have PayPal!!!! (though we wont have much choose soon!)
Hope that Helps!!
Direct Deposit Cheque Scam!! (A must read)!!
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27 April 2008
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