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<p>[QUOTE=&quot;KylieS, post: 9494897, member: 22292&quot;]I don&#039;t doubt it. There are many fraudsters out there - I&#039;ve heard of people &#039;returning&#039; a fake item for a genuine, or photographing damage on an item they already had to make a NAD claim - among others. You wonder how people sleep at night. For online sellers, these are our shoplifters. </p><p><br /></p><p><br /></p><p><br /></p><p>But the seller protection issue for sales over 250 usd is just about insurance - the bias you describe towards buyers would not be limited to the sales over 250, but all sales no matter the value. If you have more than one claim of thd same type in a 12 month period (damaged in transit, NAD, etc) Etsy won&#039;t cover it again that year. I always get my own insurance for higher value sales and make sure I document everything about the items I&#039;m putting in the parcel. </p><p><br /></p><p><br /></p><p><br /></p><p>So here&#039;s where the 250 limit on seller protection kicks in - because Etsy will still pay the seller AND refund the buyer as well in NAD claims, not delivered, etc. But only one per the same type of claim in a 12 month period.</p><p><br /></p><p>II should clarify that I don&#039;t disbelieve anything you&#039;re saying, but this kind of problem/ fraud is still a relative rarity compared with the volume of sales Etsy processes. Otherwise no one would use it. </p><p><br /></p><p>Sadly, we have to factor in some losses from customer dishonesty (retail &#039;shrinkage&#039;) in our profit margins. Sad, annoying, and unfair; but just the reality of the world today. </p><p><br /></p><p>And it cuts both ways- online buyers also have to factor this in from unscrupulous sellers (who hasn&#039;t ever had a disappointing online purchase??) So I understand why Etsy errs on the customer side as well. </p><p><br /></p><p>Sending all the hope for you to have fewer problems in the future![/QUOTE]</p><p><br /></p>

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