posted on March 12, 2002 09:15:09 AM new
Damon or someone,
I bought an item on ebay in Jan. The woman said she was sick and was late in delivering it. Weeks passed and still no item. I wrote her 2x since and nothing. I went thru Paypal to try to get my $$ back and no reply. I paid with my paypal funds in my account - not my credit card.
posted on March 12, 2002 10:48:11 AM new
The only way you could get your money back is if the seller who sold you the item left money in her PayPal account. If she withdrew the money, you are out of luck. If her PayPal account has nothing in it, you will get nothing back. Hopefully, there is something in her account so you can get some recovery, if not all of what you spent. Unfortunately this is PayPal's Buyer (non)Protection policy. Good luck.
posted on March 12, 2002 10:58:39 AM new
GOLDEN RULE WITH PAYPAL ALWAYS USE A CREDIT CARD. SO YOU CAN CHARGEBACK. THEN IT DOESNT MATTER IF THE USER HAS PAYPAL FUNDS OR NOT. ACTUALLY ITS BETTER BECAUSE THEN ITS HITS PAYPALS POCKET INSTEAD. SO THEY MIGHT FINALLY WAKE UP AND CHANGE THEIR "PROTECTION POLICY" OR LACK OF.
posted on March 12, 2002 11:50:53 AM new
Buyer beware: using PayPal gives up your right as a consumer to protect yourself. (We all know that the PayPal protection is useless.) Let me explain:
If you open you account with a credit card and later "verify" it by giving your checking account information... it then defaults to taking funds from your checking account. To add to this confusion, PayPal then also defaults to giving you a quickpay option when making a purchase, which requires you to override this default. I had this happen and only found out that it worked this way when I tried to stop payment for a non-delivery. (I filed a complaint to PayPal, but with no response from them.) My bank advised me to stop payment via ACH, since I did not knowingly authorize the transfer. When I did finally stop payment, PayPal put my account on restriction for "fraud prevention". (They transferred the balance to my credit card... and still put the account on restriction.) PayPal has since found the buyer at fault, but still insist on having my bank account information before removing the restriction. (I'm willing to live with the $200 limit on the credit card.) I've tried to work this out with Damon and others, with only getting a policy quote in response.
It appears that anytime a buyer exercises their consumer right of stopping payment, PayPal doesn't like it... and puts you on restriction. (For "fraud protection" of all things!)
posted on March 12, 2002 11:57:56 AM new
Thanks all - guess I am out of luck. So if I have funds in my paypal how do I pay with a CC instead then? Doesn't it just take it from my paypal funds FIRST and then my CC if it's not enuf? Can I set it up differently to take from my CC if I already have paypal funds?
I also got a paypal credit card- can I use that for funds and do a chargeback or does that not count?
Very frustrated to be honest. I already sent a complaint to paypal but they never wrote me back. I waited past 30 days as seller said she was sick and would mail and would be late. I was too nice.
Lauren
posted on March 12, 2002 01:21:23 PM new
to use paypal only way to do it is have credit card only NO checking account again opens up another can of problems.
posted on March 12, 2002 02:00:39 PM new
Hi nightbird84,
The Buyer Complaint Process has the following parameters:
a) It does not guarantee recovery from the seller
b) It does not cover merchandise quality
c) It must be filed within 30 days from the original transaction date
d) It takes approx. 30 days from the date you filed to advise you of the outcome
Hi frustratedguy,
I have explained why the restriction is in place, as well as why it set fraud triggers. I advised you what I needed to resolve the issue.
posted on March 12, 2002 02:58:52 PM new
Hey Damon, when are you going to answer MY question about when I'm going to get my money back??? You seem to be ignoring me, altho I've been posting regularly.
To refresh your memory ... my account was hacked on January 26th. PayPal's own TOS state you will let me know the results of your investigation within 10 days. Then you told me it will take 30 days. When 30 days were up you told me 45 days. Well guess what Damon??? TODAY IS DAY #45.
Does PayPal actually think all this publicity is GOOD for their company??? I wouldn't be posting here if they would have simply communicated with me. As it is, this is the only way I can get a response ... and it's obvious that now I can't get a response here either.
PayPal wants to play these stupid games? Okay fine, I'll play along. Damon pops in and pretends he's "helping" when all he does is quote policy and graciously offer to forward your emails to the "appropriate department" and then goes into his little spiel about not giving out your password, not going to the "spoof sites," etc., etc., etc. And I'm supposed to TRUST him??? This is a man who has been NARU'd from Ebay and comes on these boards and gives advice about protecting your PayPal account.
posted on March 12, 2002 03:04:40 PM new
nightbird84,
If you insist on using PayPal, you should keep a zero balance in your account at all times to be safe from the tyrants at PayPal. If there are no funds in your account you can use a credit card to send payments. If you have any problems, your credit card company will protect you unlike Paypal who could care less about you. If you accept payments, always empty your account as soon as the money is there to keep PayPal from giving your money back to a fraudulent buyer who claims that they never received what you sent. In many cases where this has happened, sellers have proven to PayPal that their buyer received exactly what they sent and was happy with the purchase. PayPal totally disregards this proof and gives the money back to a fraudulent buyer and allows them to keep the item as well. Hows that for customer service? PayPal is no better than the frauds that scam innocent people in my opinion.
posted on March 12, 2002 08:20:08 PM new
Damon, in your response to Frustratedguy, you said:
"I have explained why the restriction is in place, as well as why it set fraud triggers. I advised you what I needed to resolve the issue."
I have explained why the restriction is in place: The customer has a right to stop a payment.
As well as why it set fraud triggers: If stopping a payment sets off fraud triggers then something needs to be fixed with your fraud detection system. If you think it might be an unauthorized bank account call the bank!
I advised you what I needed to resolve the issue: What if the user doesn't want to give his bank account information, which is perfectly reasonable? What if the user had thousands of dollars in the account? Would you just keep and earn interest on it until the user gave his bank account information?
You explained to me what I needed to do... give PayPal authorization to debit funds from my account again. I don't want to give you that information! You abused your right by defaulting to my bank account, and not making it clear that you did. You allow users to open accounts with credit card only... I want that right. You obviously have a valid credit card on file... you have what you need!
As for why it's put on restriction... all I did was stop a charge for a no delivery of a product. A charge that you later found the seller to be at fault. That is my right as a consumer to do!
Take a look at a previous posting. Yet another customer of PayPal doesn't understand how to get a charge to come out of their credit card... instead of their bank account. I'm not alone. Your customer service people themselves told me others have complained. That's what started this whole mess... you guys default to the bank account once you become verified. It makes no sense to do that! Most everyone wants to use their credit card, and not their bank account. What does it take for you guys to admit a problem? Given the problems I've had, and the ones that I'm seeing on this board, maybe it's time PayPal reviewed their policies... instead of just repeating them again and again.
(Am I emotional... yes! If you took care of our simple problems, instead of quoting some brain dead policy, none of us would be so emotional!)
posted on March 13, 2002 07:45:42 AM new
Damon,
Thanks for responding and it's unfortunate that after 30 days nothing can be done as often that's when you find out you are not getting an item or something went wrong. I know as a seller that sometimes it takes 2 weeks to even get a payment and then you add shipping time, etc.
So I am out the $$ with no recourse. Nice. I think I won't be paying with paypal funds anymore, but using a CC for all my ebay transactions. I just lost $$$ and i can't even get it back? Unreal.
No, have not negged the seller but will. She has not listed since Jan so maybe something did happen to her but I am pretty upset with paypal that I can't even get my $$$ back.
posted on March 13, 2002 11:35:57 AM new
... and the list continues to grow...
Damon continues to insist that the problems we see here are the exception, and not the rule. How many does it take to change your mind? Because I'm convinced that THESE ARE THE RULES. FRAUDULENT USERS / HACKERS (PayPal Employees) WIN, WITH NO QUESTIONS ASKED. PEOPLE THAT TRY TO FOLLOW THE RULES LOSE!! It's evident in every single one of these threads! So don't try to tell me about the message boards giving a 'skewed' impression of things. They are as accurate as you can get. I've seen people's postings go from someone actually saying they liked PayPal, to becoming COMPLETELY frustrated & furious - many to the point of legal action. WAKE UP DAMON.
Can you honestly say that you don't think PayPal has huge Customer Service problems? If so, then your company is in worse shape than I thought! And IF these were the exceptions and not the rule, then why did PayPal have to hire 500 customer service reps? And why are the class-action lawsuits claiming issues with horrible (lack of) customer service?
P.S. Why do you continue to ignore Sheila12? You answer everyone else who hounds you enough, yet she's in every thread asking you to at least acknowledge her - and you act like you don't even see it! What's up with that?
posted on March 13, 2002 12:39:46 PM new
ebay just come up with a seller protection program,read about it on ebay board.
sometimes it is not enough to keep zero balance in paypal account,if your account is hacked,hacker can start using your credit card to buy and transferring funds from your bank account which is connected to paypal account.
