posted on October 1, 2001 02:38:52 PM
...around when we need him?
Some time ago I signed up with Paypal; in fact, it was the night before they announced the charges, whenever that was....gave them my 9-10 year-old business bank account to be "verified".
When they began accessing people's bank accounts, I quit using Paypal, and as soon as conveniently possible, I closed the bank account I had used, just to be on the safe side. I had decided that if I wanted to take a Paypal payment, I would take a check, and treat it like any other check.
But then, Paypal struck again. I live in a very small town which does not have intown door-to-door delivery (only rural routes for those who are more than a certain distance from the post office); everyone has a post office box! (The only other option is General Delivery.) Paypal now has decided they won't mail a check to a post office box.
Therefore, I have no way to take a Paypal payment. All my auctions now state that we do not accept Paypal.
Had an auction end 8/21, and sent EOA notice. On 8/22, the buyer responded and told me to "be prepared" for a Paypal payment (supposedly she was leaving for vacation). I immediately emailed her, and reminded her that we do not accept Paypal, and gave her our payment options again.
On 8/23, she went right ahead and sent a Paypal payment.
I emailed her and told her to reverse it, void it, whatever she needed to do, and send payment according to our TOS.
Today she sent me a copy of a Paypal letter, telling her that they can't reverse the payment because it has been 'claimed'. (????)
So, Damon, how do you propose we handle this? I will not be blackmailed by Paypal into paying Paypal to send this arrogant woman's money back.
I have never closed my Paypal account; it didn't seem important, as people were 'paypal-ing' me money before I opened one.
If Paypal will return her money, I will merely drop it all; otherwise, your customer is going to receive a mark for non-payment...."refused to follow TOS" or however eBay words it.
Also, how can I close my Paypal account, and block Paypal from ever sending me any more payments?
PayPal does not access a user's bank account without their permission.
As it relates to the customer scenario, the best way to handle it would probably be to log in and send the payment back to the user. You can then request to have your account closed by going to your account PROFILE---you will see an option to close your account, which would not be able to accept payments (it might not stop you from getting notifications from users).
posted on October 1, 2001 05:28:05 PM
Gee, I didn't know I was so obtuse; I thought it would be obvious that I'm interested in any charges to my account that I might need to allow for.
Doubt that I could close it with a negative balance, huh?
posted on October 1, 2001 08:38:20 PM
First thing you should do is change the e-mail on your paypal account. When you do this, nobody will be able to send a payment to you, since the e-mail on your ebay account will be different than the e-mail on your paypal account.
As far as what the fees are, Damon is right, he'd need to know what your account is, personal? premier? business? They have different fees for each. Even Damon is not able to read your mind through this message board.
posted on October 1, 2001 10:27:44 PM
Guess I don't read so well any more either. I thought Damon said (when speaking to me) "I don't know what account type the other party has".
I will re-read it a couple more times; how stupid of me to think anyone could read my mind on a message board.
posted on October 2, 2001 12:04:37 AM
I've never had any problems w/someone going into the checking acct I have reserved specifically for receiving PayPal & Amazon payment. My bank has told me that just because you give someone permission to transfer in money does NOT mean they have carte blanche access to your account. I'd be surprised if any bank allowed this - but maybe some do.
Also, to get a check from PP requires paying a fee, whereas the ach transfers are free. So, if you want to set up a small account, this might be the way to go.
On the other hand PayPal is being totally ignorant if they don't realize that some of us rural folks don't get home delivery from the USPS. I also live in a town where everyone has a PO box. Geez PayPal, get out of your suits and into the country occasionally - there's a whole world out there that does not survive on quiche and the ballet!
posted on October 2, 2001 04:41:30 AM
Why don't you give the street address of the post office and then the post office box?
I have a private mail box at a for-pay mail
service and I write my address as --
166 S. Main St PMBox 234
You could write it something like --
237 N. Main St P.O. Box 2375
People in really small post offices are usually pretty adaptable. I also keep a seperate PayPal recieving account and transfer all money out of it as it arrives so there is no way to access it for them. I never had the problem but that makes sure I won't. My bank has free accounts so no problem.
posted on October 2, 2001 07:10:55 AM
BTW, what account type the other party has is important too, since when you return the money they MAY be charged a fee depending upon which level of account they have. Did you expect Damon to know that too?
posted on October 2, 2001 01:38:20 PM
GC2, Any fees that Paypal would have charged you would have already been taken out by Paypal. They don't charge you anything to send money, so you won't need to keep anything in your account to pay any future fees. If you log into your account your accurate balance should be reflected there. You can send back whatever you have there to your buyer. She may be out some money. If she has a premier or business account she'll have to pay Paypal fees to receive your "payment".
Pocono, Why did Paypal keep $7.xx of your payment? Was it Paypal fees. They probably put out money for costs associated with the transaction. I would think it is only fair for them to keep what they've put out. You chose to take the chance of sending $100 to someone who in turn did something illegal. Like someone else said, you're lucky you got anything. You wouldn't have if you had paid with a money order or check.
[ edited by danilynn71 on Oct 2, 2001 01:42 PM ]
posted on October 2, 2001 02:09:40 PM
Oh THANK YOU PayPal...oh THANK YOU kind and generous mega-million dollar corporation for only charging me $7.+ to get ripped off through your service.
Oh THANK YOU for holding my money for 40 day while "I" paid interest on it, and "YOU" collected interest on it.
Please forgive me oh kind and gentle PayPal for having ever doubted your wonderous intentions. I see now that you were just trying to recoup your cost's to keep your head above water, while a big rich business like me can afford the loss.
Thank you for telling me NOT to charge it back to my credit card company, or my paypal account could be jeopardized.
posted on October 2, 2001 03:54:02 PM
gc2, You've very welcome
Pocono, I just find it odd that you seem to blame Paypal because you got scammed. I'm not sure of the entire situation, but I assume that you didn't buy something from or even through Paypal. So, they're not the ones that scammed you. You didn't get ripped off "through their service" because of any fault of theirs. Why should they "pay" for your mistakes? I think 40 days might be a bit long, but I don't think it is a completely unreasonable time to complete an investigation. I guess you think that out of thanks for your business, Paypal should have immediately refunded your money out of their own pocket, eating any costs, taking your word for it that you had been ripped off?
The amount sent back to you was the amount we were able to recover. This amount is not going to equate to the amount you may have sent per our terms of use. If the seller had 25.00 in the account, and you had paid 200.00, you would have received only 25.00 back.
Thanks. It took me a second to figure out what the issue was, but I am glad that we were able to figure it out. My apologies for any confusion you experienced---it is good to know that you were able to recover the bulk of the money through our Buyer Complaint Process.
posted on October 2, 2001 05:54:04 PMPayPalDamon
Just so it's clear... if the seller had $300 in his/her account, then Pocono would have received the entire $200 spent on the bad transaction, correct?
The claim process works in the order they are received. It really depends on how rapidly they file the claim and how much a user gets back (if money is in the account). If the money was available (full amount), it would have been returned.
It is important for users to notify us immediately once they suspect a problem with a party.
posted on October 2, 2001 06:13:32 PM
Pocono, I do understand your anger since I've been ripped of a few times myself. However, in this situation, I would suggest that you would be thanking Paypal for recovering *almost all* of the money that you got scammed. As I've stated before, you wouldn't have recovered a red cent if you paid by money order. I'm actually more at ease with using Paypal hearing your story. Very honorable of them to do what they could to recover most of your money for you.
posted on October 2, 2001 06:28:34 PMAs I've stated before, you wouldn't have recovered a red cent if you paid by money order.
Of course, had he avoided dealing with PayPal in the first place and done a chargeback through his credit card company, he wouldn't be out any money (interest fees included) at all.
posted on October 2, 2001 07:41:14 PM
mr. tatorhead:
Next time, I will not even bother notifying paypal about a problem until AFTER I do a charge back and they show me the money.
