posted on March 20, 2002 02:29:05 AM new
Quick question!
If you have a personal account can PayPal freeze, lock, restrict, and whatever else they do to premier and business account holders if a buyer complains to them?
I've never had a complaint, but I guess it is only a matter of time before someone gets a burr under their saddle and files a complaint.
Can't find any info on this in their TOU, but they don't really make it easy for you to find important info like this!
posted on March 20, 2002 04:51:30 AM newI've never had a complaint, but I guess it is only a matter of time before someone gets a burr under their saddle and files a complaint.
If you have a Premier/Business account and someone complains of non-delivery and you have delivery confirmation to the confirmed billing address that can be accessed online you should win the dispute.
If you have a Personal account and someone complains of non-delivery you might have a problem.
There are 7 requirements for the "Seller Protection". Notice the first requirement.
posted on March 20, 2002 07:55:53 AM new
Yes, with a personal account PayPal can do the same things as they do with Premier/Business accounts.
It is actually worse if you have a personal account since you have no seller protection. If a buyer complains, they almost always get their money back from you since you have no seller protection.
[ edited by andrew123s on Mar 20, 2002 07:56 AM ]
posted on March 20, 2002 10:26:41 PM new
In just about every case where fraud is present, the fraudulent person usually prevails due to PrayPals loopholes.
posted on March 21, 2002 06:59:11 AM new
uaru
PayPal "Seller Protection". Is just a joke!
Even you meet all their requirements. You won’t avoid chargeback.
I have one transaction two year ago, definitely meet all "Seller Protection"’s term and PayPal promised putting the money back in my account in three business days. But they never! They restrict my account, ignore all my emails.
posted on March 21, 2002 07:23:36 AM new
PayPal seems to freeze/restrict an account for almost any reason. I made a purchase that I never even got an acknowledgement for. I filed a complaint and immeditately heard from the seller. The seller was willing to give me a refund, but he was told by PayPal NOT to! (Even though PayPal encouraged trying to work it out with the seller.) I contacted PayPal with no response. Since this now seemed to be a problem with PayPal, I stopped payment on the amount. (It mistakenly came from my bank account, so stopping it just transferred it to my credit card.) Next thing I know, my account is on restriction. They wait until 30 days from the purchase date and then send me a message saying they found the seller at fault and credit my credit card for the amount. However, my account is still on restriction for stopping the payment! (Of course, I tried to work this out with Damon, only to have some crazy PayPal policy quoted to me. They won't remove it until I fax them my family history and execute a notarized document that gives them full authority to debit my bank account... something I won't do, since I only want to use my credit card.
It's not only their seller protection that's a joke... they're a joke!
[ edited by frustratedguy on Mar 21, 2002 07:25 AM ]
posted on March 21, 2002 08:28:28 AM newcgigateI have one transaction two year ago, definitely meet all "Seller Protection"’s term and PayPal promised putting the money back in my account in three business days.
2 years ago PayPal didn't have a "Seller Protection" program. The "Seller Protection" program is just over a year old.
I've never had a dispute over non-delivery or unauthorized charge to use the "Seller Protection" program. Others have stated that it works if all requirements are met.
posted on March 21, 2002 09:11:55 AM new
Judging from what I've seen and heard the seller "protection" seems to be as much of a joke as the "buyer" protection. If a buyer files a complaint, here's what PayPal promises... "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."
It would appear that they give both the buyer and seller poor/no real protection.
posted on March 21, 2002 10:31:17 AM new
RE: The comment regarding the (alleged) 'Seller Protection' policy "...Others have stated that it works if all requirements are met."
That's odd, I've never seen even ONE comment to that effect.
kkbclear - They can and will restrict any type of account at any time, without prior notice. If you have a personal account, as someone previously stated, it's even worse. You don't get the luxury of being given a phone number to call (which, from what I understand, does no good anyway - but sometimes makes us feel better). You simply get a auto-email stating "...your account is on restricted status - here's a list of things you need to fax" (again, this does no good) - "you'll be notified when we complete our investigation." And you are left helpless. You cannot pay for things you've purchased on-line - you cannot take money out of your account - you can't close your account - and you can't talk to anyone about it. Here's a cut and paste from their Terms of Service (Sec. V Paragraph 3). Closing and Restricting Accounts:
"PayPal, at its sole discretion, reserves the right to close an account at any time for any reason, including but not limited to a violation of this Agreement, upon notice to the User and payment to the User of any unrestricted funds held in custody.
PayPal, at its sole discretion, also reserves the right to restrict withdrawals from an account for any one of the events listed below..." (it goes on to list about 20 items, one of which is all-inclusive and basically means 'for any reason we want to'. i.e., - "Violations of this agreement").
posted on March 21, 2002 11:05:40 AM newltlcrafty1That's odd, I've never seen even ONE comment to that effect.
I've seen several, mostly on the usenet. If you would like to see two comments that were made today regarding successful use of the "Seller Protection" program you can look at this thread over in EBay Outlook.
Whether it's true or not I can't say, but comments are made that validate program.
posted on March 21, 2002 12:15:59 PM new
Okay - So now even your link proves that there is something very wrong with paypal's 'Seller Protection' policy. For every 2 that it might have worked for, there are 4 sellers that got screwed! And most of these have proof / acknowledgement that the buyer received the item in question!
I just can't believe that you keep waving your paypal flag around (for free) like there's nothing wrong with their service. My guess is, if you're not a paypal employee, you're related to one. And if that's not it, then I guess you'll wake up when you get screwed by them, too.
posted on March 21, 2002 01:25:33 PM newltlcrafty1I just can't believe that you keep waving your paypal flag around (for free) like there's nothing wrong with their service. My guess is, if you're not a paypal employee, you're related to one.
I'm not a PayPal employee, I have no relatives (that I know of) that work for PayPal. You don't have to believe that, as I can offer no proof to that claim. I have no proof that you aren't an employee of a competition service either, nor can you prove you're not. There is little benefit in throwing such allegations around is there?
PayPal is used by a lot of people, you simply need to open 10 random auctions on any auction service to prove that to yourself. Do you think they are all PayPal employees or related to a PayPal employee? If you think everyone hates PayPal I suggest you visit the UseNet, you'll find some sophisticated people that are very versed on the Internet, PayPal, on-line business, and they may challenge some of your statements regarding PayPal. I admit it's foolish of me to post here, as the forum theme has been reduced to a heckling circle by several.
I posted to offer the original poster information that I believe to be true. I can offer no documentation to prove it's true, nor can you offer any undisputable documentation to prove it isn't.
The Seller Protection Policy does work only if the seller follows ALL of the components of the program. In many cases where someone was "screwed", you would find that they didn't follow ALL of the steps:
a) they did not get online tracking
b) they did not ship to the confirmed address
c) the chargeback was for merchandise quality, which is not covered by the program
***The program applies to claims of non-delivery/credit card fraud only.***
posted on March 21, 2002 01:44:54 PM new
Hi kkbclear,
Account restrictions,despite the attention they draw on the boards, are actually quite rare. Our terms of use do stipulate the reasons why an account can be restricted, so I would recommend reviewing them. These restrictions CAN be resolved with the cooperation of the user, which may mean providing documentation to resolve the issue.
A single complaint by a buyer is not likely to cause an account restriction.
posted on March 21, 2002 10:59:57 PM new
Damon... problems may be rare but a user can learn alot about a company in how they handle a problem when one does occur. (Just read any Tom Peters book!) What does that say about PayPal??
[ edited by frustratedguy on Mar 21, 2002 11:00 PM ]
posted on March 22, 2002 12:54:09 AM new
If they knew how to solve problems efficiently, these boards and sites wouldn't exist. Their idea of solving problems is to just ignore it and hope it goes away.
).