posted on October 25, 2001 09:03:49 AM new
I recently had a problem with a seller that was verified and had 214 on Ebay and verified and 135 transactions on Paypal. Apparently, he decided to use his good rating to take money from a lot of people. He was selling portable dvds and myself and another person bought 7 together, planning to keep one each for ourselves and resell the extras to friends and on line. I paid for all of them with Paypal. Some I used my Paypal funds for, others were put on my credit card. I realized the next business day after payment that the seller had skipped (2 bad email addresses, Paypal acct closed, etc.) and informed Paypal at that time (Ebay would not accept fraud claim for 30 days). I have not heard from them. Their protection seems to be a joke. They will "try" to get money back but won't guarantee it (if committing fraud, I don't think the seller is going to leave the money where Paypal could get to it). I know that Ebay will do $175 on verified seller and Paypal will do $200 if Ebay does and seller verified. But that won't cover my losses. What are your suggestions for dealing with this? Thanks!
We can't guarantee recovery of money from a fraudulent seller. The process does take approximately 30 days from the date you filed the claim.
What is the Buyer Complaint Process?
PayPal's Buyer Complaint Process helps protect PayPal members when a merchant does not deliver goods as promised. If you have been unable to resolve a dispute with a seller, you may file a Buyer Complaint Form (go to the Security Center link in the footer of any PayPal page) to initiate an investigation. PayPal will investigate your complaint and attempt to recover any funds you are owed. You will be entitled to the return of any funds PayPal is able to collect on your behalf. However, fund recovery is not guaranteed.
Additionally, buyers who qualify for eBay's insurance policy (currently limited to $200) may recover up to an additional $200 of protection from PayPal if their purchase was made from a verified PayPal seller.
Please review the Consumer Protections section of our Terms of Use to learn the specific terms and conditions of the Buyer Complaint Process.
posted on October 26, 2001 07:12:56 AM new
I found this at the Paypal Information Center:
The Buyer Protection Guarantee
If you purchase goods from a Verified Seller and don't receive them, your purchase is protected.
You're entitled to a full refund if you don't receive the goods from a Verified Seller.
Buyers are protected for up to $5000 per year for fraudulent transactions.
posted on October 26, 2001 10:06:47 AM new
Hi stormypetr,
No, that is not correct. The information I posted is the current Buyer Complaint process. The program you mentioned ended November 11,2000---I would be interested in where you got that, as it is not on the web site.
posted on October 27, 2001 06:01:27 AM new
Hey, Paypaldamon:
Somewhat related:
Sellers will not be held liable for chargebacks due to fraud (including payments made with stolen credit cards and false claims of non-shipment) when they follow the rules of our Seller Protection Policy
This was found on your site.
Note, it says that sellers will NOt be held liable for chargbacks due to fraud including stolen credit cards and false claims of non-shipment.
What OTHER kinds of fraud are covered? You continually state that it covers ONLY Stolen credit cards, and false claims of non-receipt of goods. The paypal site is misleading and infers that OTHER types of fraud are covered as well.
posted on October 27, 2001 08:57:10 AM newWhat OTHER kinds of fraud are covered? You continually state that it covers ONLY Stolen credit cards, and false claims of non-receipt of goods. The paypal site is misleading and infers that OTHER types of fraud are covered as well.
This kind of (deliberate?) misinterpretation is why legal language becomes nearly unreadable to ordinary people. Why boilerplate is boilerplate.
The word "including" makes absolutely no claim to be a proper subset of some larger set. In fact, it is often used in the opposite away, as a way to define those things which are not included.
"This invitation is limited to immediate family members, including mothers, fathers, and dependent children".
posted on October 27, 2001 09:45:11 AM new
From California's Department of Consumer Affairs:
"In determining whether an advertisement is deceptive, the test is whether the advertisement has the tendency or capacity to mislead. (Chern v. Bank of America (1976) 15 Cal.3d 866, 876 [127 Cal.Rptr. 110].) The statute does not require actual deception, only a tendency or capacity to deceive."
