posted on September 17, 2001 01:31:59 PM new
I recently ran in to a fraudulent buyer. He buys an item at auction, pitches a fit about shipping and offers $6 for the item to be shipped without insurance, tracking, or confirmation. His scam seems to be doing CHARGE BACKS once he has the item. I refused to alter the terms of my shipping and sold the item to a new buyer. The OLD buyer then sent me a payment unsolicited. When I did a REFUND, he then CHARGED BACK the original payment. To make matters worse, PayPal screwed up my refund and took $50 MORE out of my account. So now I'm down about $88.55 to this guy. Well, after waiting some WEEKS for an answer from PayPal, I finally called and talked to Aaron, who seems to feel that I got back 'MOST' of my money and should expect SOME more of it back at some undetermined future date! But I can't keep the eBay fees or restocking fees from the proceeds. OF COURSE, PayPal kept THEIRS!
By the way, the buyer seems to make a practice of doing these charge backs - he has SEVEN negatives in just 2 months on eBay.
The moral of the story??? I _CLOSED_ my PayPal account after 280 successful transactions in the past year and won't do business with them again.
posted on September 17, 2001 06:48:19 PM new
credit card companies do not like members to do a lot of chargebacks,sometimes they are known to close the member account.
posted on September 19, 2001 10:43:41 AM new
I can't help but comment on Paypal. I'm completely disgusted with them, although my experiences are a bit different. My beef is the "single membership" deal. We registered our account in my husbands name, but I have been the one maintaining our full time business. I can't call and discuss a problem with them because they will only address the account issues with my husband. They'll only issue the Debit card in his name. Trying to get it changed to my name has been a nightmare. The customer service there is a bunch of idiots...I would welcome a good competitor on the scene!
posted on September 19, 2001 10:46:41 AM new
RP - why don't you open your own account? My husband and I have our own accounts, actually I have 2 accounts, and he has one. As long as the CC &/or bank info is different, I think you would be fine.
If you want to use the bank acct or CC on his account, close his account and open up a new one in your name.
posted on September 20, 2001 07:44:52 AM new
why do you register your hubby when you are running the show??
turn the table around,say if you are the paypal employee and someone other than the registered paypal member called and it turns out to be a scam artist pretending to be his family member?
then your husband wakes up one morning and find his account has been emptied and now you wonder why paypal will be so lax in their security procedure?
years ago there were cases where individual with mutual fund IRA accounts,they went on vacation and during that period someone who has enough info on his account requested mutual fund company to close the account and remit the sum to his addr.
talking about a big chunk of money missing.
this guy came back from vacation,now how long would it take some of us to realise our IRA account has been emptied??
posted on September 20, 2001 07:59:29 AM new
You've missed the point, but that's probably because I was unclear. The bottom line is my husband and I are a team, co-owners of this business. I happen to handle the financial end of it, and when we registered with paypal we were not the business we've become. The point is Paypal will not allow joint memberships, which is what we need. Our user id is our email address, so it would be confusing indeed to send payments to several email addresses. The worst time was when a faulty ATM retained our debit card (along with several hundred other people's) and I called paypal to ask them to allow it to be returned to us when the bank machine was repaired, which was to be the next day, but the bank needed Paypal's authorization. My husband was not phone available to call. Paypal decided to freeze the card and send us a new one. That took several weeks. Meanwhile, we had only transfer access to our money, which is what we use to buy stock for our business. I've never heard of a bank that won't issue a joint account. What a hassle! I would welcome a competitor to them.
