Two main problems on Ebay:
1) Buyers can say anything and file a SNAD case (Significantly not as described). Ebay will usually side with them, allowing the buyer to return the item for a full refund, regardless of what the seller wants. Having delivery and signature confirmation will prevent a buyer from filing an INR case(Item Not Received) claim, but will not stop the buyer from filing a SNAD.
In your case, either a USPS worker opened up the box and stole the phone, or the buyer is making up BS (which I think is more likely). If the buyer proceeds to open a SNAD, and if ebay sides with him, he will be asked to return the "item," which, in his case, an empty box.
Nope, "hiding" your bank info from ebay will not work. And neither can you open a case against a buyer. There is an option to "report a buyer" but that does not have the functionality of a full fledged case.
If the buyer opens a SNAD case, reply professionally with all the documentation you have, including photos, etc. Call up an ebay rep and tell them what happened, and ask them to investigate the buyer. If ebay favors the buyer, you can appeal as a last resort. If that doesn't work, you can use try with USPS insurance.
2) Buyers no longer are able to earn negative feedback. This means scammers, liars, and plain idiots all have 100% feedback. So buyer feedback is meaningless.
That's why I'm very wary of selling on ebay. I only sell cheap junk that I don't mind losing. I used to sell more expensive stuff, until a buyer claimed the item she received was "fake" (when I bought it from a well known retail store). I will be selling my iPhone 4s soon...and I'm considering selling it locally or just using one of the buyback programs.
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eBay needs to provide an added service linked with either FedEx, UPS or even USPS.
Maybe for an added $15 have the package sent to the nearest USPS, FedEx, UPS location of the buyer. Have the buyer open up the box with the contents verified by a third party before they take it home
That's the only way i would sell a higher end product like an iPhone via eBay.
I agree a 3rd party would be really helpful! Especially when buyers can claim anything. However, with ebay's current policy, the seller must ship to the address listed on the buyer's paypal account. If the seller ships to any other address, then he forfeits any seller protection, and the buyer can claim "item not received." I know, ebay policies aren't the greatest in the world...