Advice about chargebacked payment please

[fluffytinybark.livejournal.com]

Last month I made a fursuit to someones specifications and asked for payment once it was finished. They warned their paypal does not work properly and asked for other ways to pay, to which I requested a gift card to a website in exchange for the fursuit. A few days later the gift card was charged back and the balance taken from me. When confronting the customer they confirmed that they/their bank did a chargeback and apologized. After two weeks they told me their bank will not give them the money back but the gift card was not reinbursed and the website confirmed that there was a discrepancy and it will not be given to me. They offered to try to pay me in january but that is a long time to wait, so I offered them a trade theyll consider in November. I want to be a understanding and kind person however its hard to understand how a chargeback would be unstoppable and random without any of us receiving that money. Even though it wasn’t my fault that the chargeback happened I offered to pay half to said person once the suit is sold but they do not want me to sell it, and giving it further thought I struggle financially and wonder if it is on me to pay for half the chargeback when i made a fursuit and received nothing? The suit was done in a very generic design, nothing original. Id like if theyd be able to just do a trade as I cannot trust another chargeback not to happen but they havent done anything to make that happen other than a consideration next month. I dont want to be a unjust person but this whole situation is over my head and input is appreciated. Thank you

Comments

[amocin.livejournal.com]

Any and every time I have had a chargeback it has always been because the customer disputed it and wanted their money back along with getting free goods... they were buying digital goods so I couldnt really prove I sent them anything other than showing the email exchange with the attachments... still they got their money back and got free stuff out of it... apparently its very common for people to pull this stuff so I wouldnt even give him the benefit of the doubt.

As others have said as well, if a bank sees a suspicious charge they will put a hold on their card, contact them to confirm if they made the purchase, but at no point do they hold the money in a limbo like this.. you go "Yes I purchased that" and the payment goes.. or you go "nope, that wasnt me" and they return the money to you and usually cancel the cards.

This all sorts of fishy and I would report it further.