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Fraud Protection Program

Eligibility Checklist and Claim Process for making a Fraud Claim

Note: In order to make a Fraud Claim, you must first wait 20 days in order to allow email and written communication to occur between the parties. You also cannot make a fraud claim more than 60 days after the end of the auction.

Eligibility Checklist

You are the successful bidder in one of Online-Auto-Auctions, or you purchased the vehicle through our: Purchase Vehicle Now! option.
You have filed the claim after 20 days have expired after the auction but not more than 60 days after the end of the auction.
Both you and the seller are members in good standing with valid Online-Auto-Auctions accounts.
The value of the vehicle you purchased must be over $300. The maximum amount the Fraud Protection Program cover is based on the following chart:

Value of the Vehicle	Less Deductible	Compensation Amount
$301 - $5,000	-$30	$1-Max $270
$5,001 - $10,000	-$30	$271-Max $370
$10,001 - $100,000	-$30	$371-Max $470
$100,001 & UP	No Deductible	$500.00

You send the payment for your auction vehicle to the seller and never receive the vehicle. Or if you received the vehicle and it was substantially different than described. Also, you must demonstrate during the 20 day waiting period that you corresponded with the seller and the sale was not resolved. Please keep all of your email correspondence to the seller, as our Fraud department will examine this.
In addition, you must not have filed more than 3 claims in the last 6 months to be eligible for the Fraud Protection Program.
If you paid for your vehicle with your credit card, you must file for a charge back through your credit card company. Please keep the correspondence with them and the results of their investigation, as you will be required to submit it along with your claim to be eligible for the Fraud Protection Program.

What is not covered by the Fraud Protection Program

Vehicles damaged or lost in shipping. Please contact your shipping carrier for information on its reimbursement policy.
Vehicles that are picked up or delivered in person
Vehicles that are not sold via OAA, e.g., purchases in which you are not identified as the winning bidder or fixed price buyer on the closed vehicle (this includes reserve priced auctions where the reserve price has not been met).
Double or Over Payment.
Buyer's remorse, where the buyer has a change of heart (i.e. auctions are binding).
Merchandise that has been altered, repaired, discarded or resold. The vehicle must remain in the exact same condition that it sent by the seller.
Any payment that was made by cash without a valid receipt from the seller.

Filing an Online-Auto-Auctions Fraud Claim

If you meet all the eligibility requirements above, take these steps:

Submit an Online Fraud Complaint
- Submit your complaint by using our Online Fraud Complaint Reporting Form between 21 and 60 days of after your listing's ending date.
- Online-Auto-Auctions will send a copy of your complaint to the seller via email as notification. Your seller will then have the opportunity to respond to your complaint. This may help bring about a resolution. If the transaction is resolved successfully, you may retract the Online Fraud Department.
If your complaint is resolved:
Please return to the Online Fraud Complaint to update your complaint.
- Remember: Simple misunderstandings are often resolved through direct communication. You must demonstrate that you made every attempt to resolve your complaint by contacting your seller by email or phone.
If you are unable to resolve your transaction after filing an Online Fraud Complaint:
- Your Online Fraud Complaint will continue. Now please print out the claim form, complete it fully and then attach the following information:
  - The completed signed claim form
  - A printed copy of your listing
  - Proof of payment, i.e., photocopy of the front and back of money order, receipts, cashiers check, personal check, etc.
  - Any other supporting paperwork. (e.g. Denial of reimbursement through the credit card company-if applicable)
  Please mail the completed claim to the Fraud Administrator at the address noted on the form. Note: All of the above mentioned information is necessary in order for your claim to be processed. Incomplete information will cause delays in processing your claims. It is necessary that the Fraud Administrator receive the above items within 60 days of the end of the listing in order for your claim to be processed. Claims received after 60 days of the end of the listing will automatically be denied and sent back to you. Once received and accepted as a valid claim:
- The Fraud Administrator will contact you within 30 days of the receipt of your claim. The Fraud Administrator will communicate with you and the seller during the investigation of the claim.
  
  The Fraud Administrator will complete the processing of your claim within 60 days of receipt. In the interim, it is recommended that you not discard, alter or resell any merchandise related to your claim. The Fraud Administrator will communicate with you and your seller directly about the outcome.