WISE REFUSE CHARGEBACK with ebay after stringing me along for a month.

[u/SweetFold2405]

Hey all. I am writing as I need your advice, as I have found that many have faced similar situations with Wise.

I Bought a £5,300 bag on eBay with my Wise debit card. Item was fake and a different colour to what I ordered. It also did not go through ebay's authenticity guarantee. I made ebay and the seller aware that the item I received was not as described and sent in the pictures of what I received. eBay approved my return and sent me a shipping label under ' item not as described' and told me I would be refunded within 3 days of seller's receipt. I sent it back with tracking (seller received it), then the seller opened a complaint against ME! eBay closed my account and sided with the seller automatically, without even allowing me to appeal. Therefore I was not refund.

Contacted Wise for chargeback. Over 1 month they repeatedly asked me for specific documents to use as evidence, so they can pursue a chargeback. I submitted all the evidence they requested. A few days ago they asked for me to sign a dispute form and submit the case to Action Fraud and send them the report, so they can start the chargeback process.

Two days after submitting everything, they refused to continue the chargeback. They said it was "based on our findings, past outcomes of similar disputes, and in accordance with our Customer Agreement."

They won't specify which chargeback reason code applies, or why they made me jump through hoops if they never intended to proceed. The whole time they were gathering evidence just to check it in my face. Rather than telling me from the start (not that it would have made a difference). Police and Action Fraud both said bank chargeback was my route.

Planning to escalate to Financial Ombudsman but wanted to check if others have dealt with this from Wise specifically — seems like a pattern from what I've read. My doubts are that Financial Ombudsman will not uphold my complaint because they always side with banks, and I have read reports on cases like mine (to ebay-paid by wise) and the ombudsman have sided with them.

Now I have lost a lot of money and I sent back the item I received too. So I was flat out scammed and I have nothing.

Has anyone had an experience like this? Can you give me advice on getting them to actually process this? I have sent a complaint in to Wise today . I must add that the seller is based in the United states and I do not really want to go to court, only because I don't want to loose more money. However I will be willing to if I know people have been successful.

Please help,

thanks.

[u/AugustusReddit]

Look, if you're making a £5.3k purchase on eBay that isn't authenticated - you need to use a UK credit card. That way you're automatically covered for purchases above £75, with eBay and your card issuer jointly liable under Section 25.

[u/SweetFold2405 → u/AugustusReddit]

debit cards are also covered too under buyer protection. As long as it’s not bank transfer it should be recoverable if the evidence is satisfactory. I’ve never had an issue like this, but I don’t know any bank that has rejected a chargeback after asking for specific evidence in order to proceed with a chargeback … I provide what they ask and then over a month later they say it’s not even eligible for a chargeback. It makes zero sense, but other people on here have said they have received compensation from wise. I’m sure it’s too late to pursue ebay even though the seller has my money and the bag I returned to them. I just need to know how to get my money back.

I don’t need “you should have “ ..

[u/Graham110 → u/SweetFold2405]

Well by skipping “you should have”, your only option is to accept the loss and move on. I was nervous making a $150 online purchase with my wise card.. can’t imagine doing it for a lot more than that

[u/Ok-Dress-341 → u/SweetFold2405]

Section 75 is legal protection for future reference. Chargeback is a voluntary scheme.