REFUNDS, RETURNS, CANCELLATIONS

AT A GLANCE

Every refund is for the full amount paid; there are no partial refunds. Claims on a delivered order must be filed within 7 days of delivery. We decide within 5 business days of the dispute being filed. See Buyer Protection for the full dispute process.

1. FINDMECOMICS IS A MARKETPLACE, NOT A SELLER

FindMeComics is a peer-to-peer marketplace. We are not a seller, not a retailer, and not a merchant of record. Every transaction is a direct contract between buyer and seller.

FindMeComics takes each payment as the seller's limited payment agent and holds it in its own Stripe balance until delivery is confirmed and the settlement hold ends (21 days after delivery until 3 of the seller's sales have paid out, 7 days after delivery from then on). A refund that is due before then comes out of that held payment, and the seller is simply not paid for the sale. You have 7 days from delivery to report a problem. The report window closes before the seller is paid, so an upheld dispute is refunded from the payment FindMeComics is still holding. 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. The Terms say the same.

FindMeComics does not maintain a separate insurance fund. See Buyer Protection for the full scope of coverage and dispute process.

2. AUTOMATIC NO-SHIP REFUND

Every order carries a ship-by deadline set by the seller's handling time — at most 5 business days after confirmed payment. If the seller has not marked the order as shipped by that deadline, FindMeComics issues a full refund automatically. The check runs once a day, so the refund can land up to a day after the deadline. No dispute needs to be opened.

WHAT HAPPENS

• Buyer receives a full refund to their original payment method.
• The seller is not paid for the sale. The money never left FindMeComics' balance, so there is nothing to reverse.
• The listing stays off sale until the seller relists it with one click from their orders page.
• Both parties receive an in-app notification and an email.

FOR SELLERS

If you have a legitimate delay (illness, postal disruption, etc.), message the buyer through the order thread right away and mark the order shipped the moment the package leaves your hands. Only marking it shipped stops the automatic refund; a message keeps the buyer informed but does not extend the deadline. Repeated failure to ship on time may result in account suspension.

FOR BUYERS

No action required. Funds typically appear within 5–10 business days depending on your card issuer.

3. WHEN A SELLER CAN'T SHIP

There is no seller cancel button. If you can't fulfil an order (the book is lost, damaged, or was mis-listed), message the buyer through the order thread straight away and say so. The buyer can then cancel from their dashboard for an immediate full refund (§4). If nobody acts, the ship-by refund in §2 fires on its own. Either way you are not paid for the sale, and the listing stays off sale until you relist it.

• An order that ends before shipment costs you nothing — the buyer is refunded in full and FindMeComics absorbs the card-processing cost Stripe keeps on a refund.
• Sellers who repeatedly fail to ship will be warned and may be suspended.
• Letting an order lapse in order to re-sell the same item at a higher price is fraud and results in permanent account termination.

4. BUYER-INITIATED CANCELLATION (BEFORE SHIPMENT)

Buyers may cancel directly from their dashboard and receive a full refund, provided the seller has not yet marked the order shipped. Once an order is marked shipped, cancellation is no longer available — use the dispute process instead.

The refund goes back to your original payment method at once (§14 says when it posts). The seller is told not to ship, and their listing stays off sale until they choose to relist it.

Act quickly: sellers are expected to ship within their stated handling time, so the cancellation window may be short.

5. ITEM NOT RECEIVED / LOST IN TRANSIT

If your order does not arrive, open a dispute from your dashboard or email support@findmecomics.com with your order ID.

SHIPPED WITH TRACKING

• Wait 14 days from the shipping notification date before opening a dispute — carriers occasionally have scan delays.
• If tracking shows delivered but you did not receive the package: file a missing-package claim directly with the carrier. FMC will provide order documentation to support your claim. A refund is not automatically issued in this case — carrier claims must be pursued first.
• If tracking shows in transit and has had no scan for 14+ days, or shows lost/return to sender: FMC issues a full refund from the held payment, and the seller is not paid for the sale.

An order that is never confirmed is marked delivered automatically 14 days after it ships. From then you have 7 days to report that it never arrived; the date is on your orders page.

MISSING OR UNSCANNED TRACKING

Every order must ship with valid tracking (Terms of Service §4). If a seller marks an order shipped without valid tracking, or the tracking never registers a carrier scan, and a buyer reports non-receipt, the seller bears the full risk of non-delivery: with no proof of delivery, FMC issues a full refund after a 30-day waiting period from the expected delivery date, and the seller is not paid for the sale.

Sellers: a valid, scannable tracking number is required on every shipment. For orders over $100, signature confirmation is strongly recommended.

6. ITEM ARRIVED DAMAGED

If your item arrives with damage, document it immediately:

• Photograph the outer packaging (showing any damage) before opening.
• Photograph the item itself showing the damage.
• Report the damage within 7 days of delivery via the order dispute tool or support@findmecomics.com.Photograph within 48 hours if possible — packaging deteriorates and memory fades. Reports filed later in the window are still eligible; they may require additional documentation to establish the condition at delivery.

CARRIER DAMAGE (EXTERNAL PACKAGING DAMAGED)

If the outer packaging was visibly damaged by the carrier, the seller must file a carrier insurance claim. FMC will facilitate documentation. You receive a full refund from the held payment; the seller is not paid for the sale and recovers from the carrier claim. Buyers are not required to return items unless the seller explicitly requests it (at the seller's shipping expense).

PACKAGING INADEQUATE (SELLER FAULT)

If damage is attributable to inadequate packaging (e.g. a raw comic mailed in a plain envelope without a board and bag), this is the seller's responsibility. FMC issues a full refund on the photographic evidence, and the seller is not paid for the sale.

7. ITEM NOT AS DESCRIBED (INAD)

An item is “not as described” when it differs materially and objectively from the listing. Examples:

• Wrong issue number or title shipped.
• Item is a reprint or facsimile edition listed as an original.
• CGC/CBCS/PGX slab certification number does not match what was listed.
• Condition is significantly worse than described — e.g. listed as NM (9.4) but arrives with a spine split, multiple creases, or water damage placing it in GD/VG range or below.
• Item is a reproduction or suspected counterfeit.

PROCESS

1. Contact the seller first via the order messaging thread and include photos. Give the seller 48 hours to respond.
2. If unresolved after 48 hours, open a formal dispute from your dashboard. FMC will review the listing description, your photos, and any seller response.
3. We decide within 5 business days of the dispute being filed.If the seller does not respond in time, the decision is made on the buyer's evidence. Possible outcomes: a full refund, or no refund if the evidence does not support the claim. There is no partial refund.
4. FMC's determination concludes the platform's dispute process. Buyers are not required to return items unless FMC or the seller requests it (return shipping paid by the seller). Nothing in this process limits any rights you may have under the Fair Credit Billing Act (15 U.S.C. § 1666), your card issuer's chargeback rules, or other applicable law.

Submit INAD claims within 7 days of delivery, the Buyer Protection dispute window. The 48 hours you give the seller count against it, so if the seller is still talking as the window runs out, open the dispute anyway. A claim filed after the window has closed is not eligible.

8. GRADING DISPUTES

Comic book grading is subjective. FindMeComics does not adjudicate disputes about whether a raw comic is a 9.0 vs. 8.5, VF vs. VF/NM, or any similar one-grade disagreement. If you require certainty about grade, purchase CGC/CBCS/PGX certified copies or submit the item for third-party grading at your own cost after purchase.

Grading disputes are eligible for review only when the condition difference is extreme and objective— for example, a listing describing a comic as “NM 9.4” when it arrives with a detached cover or heavy water damage clearly placing it in a Fair/Good range. This crosses from grading disagreement into Item Not as Described (§7).

9. CHANGE OF MIND — NOT ELIGIBLE FOR REFUND

FindMeComics does not require sellers to accept returns for buyer's remorse (e.g. you decided you didn't want the comic, found it cheaper elsewhere, or already own a copy). All sales are final once an item has shipped, unless the item meets one of the eligible scenarios in this policy.

Some sellers voluntarily accept returns — this is between you and the seller. FMC will not intervene in voluntary return negotiations and will not force a refund in a change-of-mind scenario.

Buying and selling on FindMeComics are US-only: every order ships within the United States.

10. NO PARTIAL REFUNDS

Every refund on FindMeComics is for the full amount paid, including shipping and any sales tax. FindMeComics does not issue partial refunds, and there is no keep-the-book-at-a-discount outcome. If a buyer and seller agree between themselves that the buyer keeps the book at a lower price, that arrangement is theirs to settle; FindMeComics does not process it.

11. CHARGEBACKS

A chargebackis a payment reversal initiated directly with your card issuer, bypassing FMC's dispute process. We strongly encourage using FMC's dispute process first — it is faster and has no third-party fee.

LEGITIMATE CHARGEBACKS

If you file a chargeback for a genuinely unresolved issue (e.g. you contacted FMC and received no resolution), we will cooperate with your card issuer's investigation and provide all relevant records. If the chargeback is upheld, your bank returns the money through Stripe. The seller is not paid for the sale, or, if already paid, their share is taken back from that payout: FindMeComics reverses it from their Stripe balance, or takes it from their next payouts when that balance can't cover it. Stripe's dispute fee is charged to FindMeComics, not to the seller. A lost chargeback on an order that has not shipped ends the order: the seller is told not to ship, and the listing stays off sale until they relist it.

FRIENDLY FRAUD

“Friendly fraud” means filing a chargeback after receiving the item as described, without first using FMC's dispute process. When the evidence (order records, shipping confirmation, listing screenshots, communication logs) shows the buyer received what they paid for, FMC will contest the chargeback on the seller's behalf. If a card issuer ultimately rules friendly fraud has occurred, FMC may suspend the account pending review and decline future transactions. Filing a chargeback for any reason is your right; this paragraph applies only to documented post-delivery cases where the dispute process was bypassed without cause.

YOUR RIGHTS

Nothing in this section limits any rights you may have under the Fair Credit Billing Act (15 U.S.C. § 1666), the Electronic Fund Transfer Act (15 U.S.C. § 1693f), your card issuer's chargeback rules, or other applicable consumer-protection law. Those rights cannot be waived by agreement.

12. PLATFORM FEES ON REFUNDS

FindMeComics charges sellers one 11% all-in fee on completed sales, card processing included (no buyer fees, no listing fees). When a sale is refunded, no fee is charged — the seller pays nothing on a refunded transaction.

Card-processing costs on a refunded payment are not returned by Stripe. Because processing is included in FMC's all-in fee, FMC absorbs that non-recoverable cost itself — it is never passed to the buyer or the seller.

13. SALES TAX ON REFUNDS

Where FindMeComics collected sales tax on a transaction as a marketplace facilitator:

• The full amount paid including sales tax is returned to the buyer. FMC reverses the corresponding tax remittance with the relevant state tax authority. Every refund is a full refund (§10), so there is no recalculated tax to work out.

See our Tax Policy for full details on how sales tax is collected and remitted.

14. REFUND TIMING

All refunds are issued through Stripe to the buyer's original payment method. Estimated timelines after FMC initiates the refund:

• Credit cards: 5–10 business days
• Debit cards: 2–5 business days

FMC has no control over when your card issuer posts the credit. If your refund does not appear after 10 business days, email support@findmecomics.com with your order ID — we will provide the Stripe refund reference number for your bank.

15. ESCALATION PATH

If you have an unresolved dispute, follow these steps in order:

1. Message the seller via the order thread — most issues are resolved at this step. Allow 48 hours for a response.
2. Open a formal dispute from your order dashboard, or email support@findmecomics.com with your order ID, a description of the issue, and supporting photos.
3. FMC review — we acknowledge within 24 hours. We decide within 5 business days of the dispute being filed.
4. FMC final determination — our decision is binding on both parties as a condition of using the platform. Available outcomes: full refund or no refund.
5. External arbitration— if you believe FMC's determination was made in bad faith, you may escalate under the arbitration clause in our Terms of Service § 15. The arbitration clause does not apply to individual transaction disputes resolved between buyer and seller; it applies only to claims against FindMeComics itself.

16. CONTACT

Questions about a specific order or refund? Email support@findmecomics.com and include your order ID. We respond within 24 hours.

For legal notices: Terms of Service · Buyer Protection Policy