• The listing started on or after September 15, 2001.
• Both you and the seller are residents of the United States. Transactions in which you or the seller are located outside the US are not covered.
• At least 30 days but no more than 60 days have elapsed since the close of the auction. You must file the Fraud Report within 60 days of the closing date of the item.
• The item was listed on GunBroker.com and you were a winning bidder of the item as per the terms of our User Agreement.
• Both you and the seller are in good standing at GunBroker.com. This means that neither your account nor the seller's has been suspended or terminated for any reason at the time of the transaction. Your account must be in good standing at the time you file your claim.
• The item you purchased is legal and in full accordance with our User Agreement.
• The transaction was completed in full compliance with all federal, state, and local laws.
• The value of your item is over $100. Because of the $100 deductible items under $100 will receive no claim benefit and thus are not covered. Only the winning bid price of the item is covered. Sales tax, shipping costs, escrow fees, transfer fees and other fees are not covered.
• You have not exceeded the limit of three (3) claims per six (6) months. A separate claim must be filed for each item listing even the items were listed by the same seller.
• If you paid for your item via a credit card you must contact your credit card's issuing bank and dispute the charge with them. If your credit card issuing bank denies your claim you can file a Fraud Report. You will be required to show proof that your issuing bank denied your claim.
• If you paid for your item with an online payment service such as PayPal you must contact the online payment service and dispute the payment with them. If the payment service denies your claim you must contact your bank or your credit card issuing bank that was used to make payment to the online payment service and dispute the payment with them. You will be required to show proof that both the online payment service and your bank or credit card issuer denied your claim.
• You must have sent payment to the seller in good faith and either not received the item or received an item that is materially different from the seller's description. You may be required to turn the item over to us or to submit the item for third-party verification before a claim is approved.

The following are specifically not covered:

• Transactions paid for using cash or any payment method in which there is no proof of payment.
• Barter or trade transactions in which you traded merchandise with the seller in lieu of monetary payment.
• Items that have been lost or damaged in shipping. You must deal with the carrier for lost or damaged items.
• Items that have been lost or damaged by any third party such as a transfer dealer.
• Items that you pick up in person or are delivered by the seller to you in person.
• Items that are not won by you as per the terms this site's User Agreement. This includes 'side deals' in which you did not meet the reserve price or were the 2nd bidder after the first bidder backed out of the deal. You must be the winning bidder on the item to be covered.
• Payment mistakes, such as overpaying the seller.
• Differences in opinion over the condition of the item.
• Buyer's remorse.
• Transactions in which the seller offered a refund and you refused the refund or refused to return the item to the seller for the refund.

First, make sure that you meet all the eligibility requirements above. You claim will be denied if we or the insurance company determine that it does not qualify. If you qualify, follow these steps:

1. Contact the Seller Directly

• Make every effort to contact the seller via email, phone, and/or snail mail. Most problems arise as a result of communication problems or a misunderstanding. You can use Resolving Problems with the Seller located in For Buyers to request the seller's contact information.

2. File a Fraud Report

• Make every effort to contact the seller via email, phone, and/or snail mail. Most problems arise as a result of communication problems or a misunderstanding. You can use Resolving Problems with the Seller located in For Buyers to request the seller's contact information.
• File your complaint by using our Fraud Report form no less than 30 days and no more than 60 days after the ending date of the auction.
• We will contact the seller via email and notify him that a Fraud Report has been filed. The seller will have the opportunity to respond to the complaint, and will hopefully act to resolve the problem.

3. If the problem is not resolved after filing the Fraud Report:

• You will be provided with a link to a claim form after submitting the Fraud Report. You must print the claim form and fill it out completely and legibly.
• Gather the following information All of the following information is required for your claim to be processed. Incomplete or missing information will cause a delay or possible denial of your claim:
  a. The completed and signed claim form
  b. A printed copy of the item listing page on GunBroker.com
  c. Proof of payment. For example, a photocopy of the front and back sides of the money order, cashiers check, canceled personal check, etc.
  d. If you used a credit card to pay, photocopy of the denial of claim from the credit card issuing bank.
  e. If you used PayPal or another online payment service to pay, photocopy of the denial of claim from the payment service and from the bank or credit card used to fund the payment.
  f. Any other supporting paperwork, photographs, or other evidence that supports your claim.
  g. You may be required to file a complaint with law enforcement agencies or the FBI Internet Complaint web site.
• Mail all of the above information to GunBroker.com. You will be given instructions on where to mail the information when you file the Fraud Report. All of the information must be received within 90 days of the end of the auction of the claim will be denied.
• Upon receipt of your claim we attempt to discuss the claim with the seller of the item and get the seller to resolve your complaint. In many cases we get the local police in the seller's jurisdiction involved. Please be patient as this process can take time. We take this step to give you the opportunity to recover the full amount of your purchase price from the seller. While you await processing of your claim it is very important that you do not alter, modify, resell, or dispose of any merchandise or receipts related to your claim.
• If we are unable to resolve the matter with the seller we will send you an affidavit and release to sign and return. We attempt to process your payment within 4-6 weeks of receipt of your affidavit.