BUYER PROTECTION

Every order gets a 7-day dispute window, starting at delivery.

If your item doesn't arrive, doesn't match the listing, or shows up damaged, file a claim and we mediate. You have 7 days from delivery to report a problem.A package that never arrives can be reported any time before it's marked delivered. We decide within 5 business days of the dispute being filed.

Where your money sits:FindMeComics takes your payment as the seller's limited payment agent and holds it in its own Stripe balance until delivery is confirmed and a settlement hold has passed (21 days after delivery until 3 of the seller's sales have paid out, 7 days after delivery from then on). The seller is not paid before then.

The report window closes before the seller is paid, so an upheld dispute is refunded from the payment FindMeComics is still holding. It goes back to the card you paid with. A refund that happens after the seller has been paid, such as a chargeback through your bank, is taken back from the seller's payout. FindMeComics doesn't fund refunds from its own money.

WHAT'S COVERED

✓

Item never arrived

The seller didn't ship within a reasonable timeframe, or tracking shows non-delivery.

✓

Significantly not as described

Wrong issue, wrong edition, or damage not disclosed in the listing.

✓

Counterfeit item

The item is not authentic.

WHAT'S NOT COVERED

Buyer's remorse — you changed your mind after purchase.

Minor grade disagreements — the item is in the described condition range but you expected higher.

Items damaged after delivery.

Transactions completed outside of FindMeComics (e.g., deals arranged off-platform).

Disputes filed more than 7 days after delivery.

HOW REFUNDS ARE FUNDED

Every payment on FindMeComics is a platform charge: the money goes into FindMeComics' Stripe balance, not the seller's, and stays there through delivery and the settlement hold. When a dispute is decided in your favor, the refund is issued from that payment to your original card, and the seller is not paid for the sale. You have 7 daysfrom delivery to report a problem, and no seller is paid sooner than that, so a dispute filed in time is always refunded from money FindMeComics still holds. You also keep all chargeback rights through your card issuer. If a chargeback goes your way after the seller has been paid, FindMeComics takes that amount back from the seller's payout; it doesn't come out of FindMeComics' own money.

YOUR RIGHTS UNDER LAW

Nothing on this page limits rights you may have under federal or state law, including the Fair Credit Billing Act (FCBA, 15 U.S.C. § 1666), your card issuer's chargeback rules, or applicable consumer-protection statutes.

PAYMENT SECURITY

All card payments are processed by Stripe, which holds PCI DSS Level 1 certification — the highest available. FindMeComics never receives, stores, or touches raw card numbers. Card data flows directly between your browser and Stripe's secure servers, isolated from our systems entirely (SAQ A card-data isolation).

HOW TO OPEN A DISPUTE

Contact the seller first

Most issues are resolved directly. Message the seller through your order page and give them 48 hours to respond.

Open a dispute

If unresolved, go to your order and click "Open Dispute." You have 7 days from delivery to report a problem. Your orders page shows the date for each order. Don't let a slow seller run you past it: open the dispute before the date even if you're still talking.

Provide evidence

Photos, tracking information, and a clear description of the issue help us resolve disputes faster.

We review

We review both sides and make a final decision. We decide within 5 business days of the dispute being filed. An AI system may assist by summarizing the case; the final call is always made by a human.

Resolution

If your dispute is upheld, you receive a full refund including original shipping, to your original payment method.

RESOLUTION SLA & PERFORMANCE

WHAT WE COMMIT TO

⏱ First responseUsually 1 business day

⚖ Decision5 business days from filing

→ Refund issuedWith the decision

✓ Dispute window7 days from delivery

⚡ Missed windowEscalated to admin review

ACTUAL PERFORMANCE

Our dispute track record builds as the platform grows. Performance figures will appear here once we have enough resolved cases to report meaningfully.

We don't publish numbers until we're confident they're statistically representative — not to hide anything, but because a single outlier shouldn't define the average.

⚡ Missed-window escalation: Open disputes escalate automatically: a seller who hasn't responded within 72 hours gets a formal warning, and any dispute still open after 2 days is escalated to admin review. A seller who never responds should expect the case to be decided on the buyer's evidence.

What is condition accuracy? After every completed sale, buyers rate how closely the item matched its listing description on a 1–5 scale. This is the metric that most directly reflects grading honesty — the equivalent of eBay's "item as described" rating, but specific to comic condition rather than overall satisfaction.

FOR SELLERS

Honest sellers thrive here. Accurate listings and fast shipping keep your rating strong. Repeated disputes result in account review.

If a dispute is upheld against you, the buyer is refunded from the payment we are holding and you are not paid for that sale.
A refund after you've been paid, such as a chargeback the bank decides for the buyer, is taken back from that payout. See Seller Protection for how.
You always get the opportunity to respond with evidence before a decision is made.
Your condition-accuracy rating is shown on your seller profile.