On July 19 Joseph Chinnok, who runs a business called A Writers Collective, contacted my graphic design company, Caligraphics, with a request to design 2 ebook covers. The covers were designed and emailed to him and he approved them and paid $60 with PayPal. On Aug 31 he started a chargeback on PayPal, claiming unauthorized use of his credit card, and PayPal debited my account $60 plus $20 for the fee to them from the credit card company. Now my company can't accept payment from clients through PayPal unless I pay them the $80. Apparently he's aware of PayPal's policy of not extending any sellers' protection to digital goods - ebook covers, in my case - and he's using that loophole to get his money back on design jobs.
When I emailed Chinnock about the chargeback he responded thusly:
"My former partner challenged a bunch of charges. I fired him and no longer work with the bank. What do
you need from me to reverse those disputes?
J"
"Cal,
I'm cut off from the bank and don't use PAypal anymore. Please forward them my email informing them I had no intention of disputing those funds.
Thanks.
Joseph Chinnock"
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