Paypal Retaliatory?

orutulsa

Has anyone had experience going to their credit card company and having the charge for a Paypal-paid purchase reversed? I thought I remembered reading on the Paypal site many moons ago that if you did that, Paypal could/would shut down your Paypal account. However, I can't find anything on their site about that now.

This was all sparked by an Ebay purchase I made. Ebay sent me a note telling me the seller was fraudulent and that if I paid thru Paypal that I should file a claim with Paypal. I filed the Paypal claim and got a note from Paypal that they "ruled in my favor but could not recover any of my funds." Basically, I was stuck. However, when paying through Paypal, I ALWAYS pay with a credit card (instead of instant bank transfer). That way I can file a claim with my credit card company in instances like this (which this is my 1st in over 1500 ebay transactions).

The money here isn't big but the "Paypal/Ebay has no responsibility" attitude irks me. So I'd like to file my chargeback claim with the credit card company. Any chance I'll get retaliatory measures against my account from Paypal? Thanks

Wizardsguildcards

If you go to your CC company without following Paypal's process first then yes that can, will and should suspend your Paypal account. The process is set up to give Paypal more information about the case and if they feel it is bogus gives them more bullets to fight the CC companies. If a buyer oversteps this Paypal has no choice in most cases but to give in to the companies.

onefasttalon

Paypal has hirrid Customer Service, especially if you're the victim. I had to fight a purchase a few years ago.... I was retarted enough to pay good money for a fake Jordan Rc'a dn Gretzky Rc. Paypal sided with the seller because he was able to prove he sent the items... BUT WHO CARES if the items sent were cat turds! I ended up filing with my CC, and nearly 6 months later... got my $$ back. Paypal got pretty pissed at first, and suspended my account. They took what balance I had, and froze up to the amount I had reversed. Paypal completly changed their attitude and actually started asking ME questions about the event, and when the finally listened to me, the fixed my suspension and apologized for the inconvenience.

orutulsa... if your purchase was a small amount... it's probably not worth the time and trouble. If it's just about principle, I hear ya! Paypal doesn't do a very good job of protecting their innocent, they basically assume the first one to file a complaint is always right.

I don't have any details on it, but I believe there are several people trying to organize a class action suite against some of Paypal's undesirable practices. I still use Paypal, just have to be careful for any larger purchases.

MorrellMan

If paypal cannot recover the funds from the seller and your credit card company reverses the charge, the money you got back came out of paypal's pocket. We can argue till cows fly about how paypal can certainly afford this with all the dough they rake in, but the fact is that they rightly take a very low opinion of their customers who, in effect, expect paypal to pay for a customer's mistake.

I've never had to go to my CC company to recoup funds from a paypal deal, but, if I ever did, I would expect the price would be getting the axe from PP.

Wizardsguildcards

Me and 4 other sellers are looking into a possible suit against Paypal. We need to find other sellers who have been screwed over like we were.

onefasttalon

Wizardsguildcards:

"Me and 4 other sellers are looking into a possible suit against Paypal. We need to find other sellers who have been screwed over like we were. "

Honestly... I think you'd be shocked at the STAGGERING # of Paypal users that have been srewed over at least once by Paypal. If you find something already organized, post it here... I bet you'd get more than a few names here that might be interested in "joining the cause."

orutulsa

<< <i>If you go to your CC company without following Paypal's process first then yes that can, will and should suspend your Paypal account....If a buyer oversteps this Paypal has no choice in most cases but to give in to the companies. >>



I wonder if Paypal considers filing a credit card company claim at this point "overstepping" them.

The link here shows Paypal's message to me and where they're at in the resolution process. First they say the "case is closed." But then it appears that they're on a final step of still trying to recoup $$ from seller. I wonder if they're ever successful and how long they expect defrauded buyers to wait on them before said buyers file a chargeback claim with a credit card company.

sagard

They are NEVER successful getting the money from the scammer. That is why they do their best to keep a chunk of yours.

Carew29

I would suggest getting on the phone with Wells Fargo as they own Paypal.

ColleSystem

I went through Discover on a $238 scam. Peice of cake.

Pay pal essentially does two transactions per sale, one between the buyer and one between the seller. Your transaction is actually between the credit card company and pay pal. Pay pal will never want you to work the issue from your transaction side since they don't want the Credit Card company sticking them with the loss. You have every right to open a claim with your credit card company on your side of the transaction.

ColleSystem

<< <i> I would suggest getting on the phone with Wells Fargo as they own Paypal. >>



?

I thought Pay Pal was an ebay company.

DaBigHurt

I've completed thousands of transactions on Ebay and paypal and when purchasing, only use my credit card.

In 99.9 percent of my transactions on Ebay, they've been satisfactory, but there have been a few times where someone has tried to rip me off. Whether it's sending something that was not remotely close to being described in an auction, to returning an item and not getting a refund, my first step is always to dispute the transaction with Paypal.

For the most part, Paypal is pretty good at getting your money back if you provide them sufficient proof AND they are still able to seize the assets of the other party. On the occasion where Paypal did not help on a transaction (ie, sent canned emails saying they can't do anything, etc), I went straight through my credit card for recourse. Over the course of 4-5 years, I've had to get my credit card company involved 3-4 times and each time, they were able to reimburse me for the charges.

Why? Because it's pretty simple. If you get ripped off, have the documentation, your credit card is THERE TO HELP YOU!!!

Would Paypal prefer you to just bite the pillow and take it? Sure, because it's less of a hassle for them, but if you get ripped off on a purchase using your credit card, you'd have to be crazy not to file a chargeback.

And Paypal has never sent me any letter threatening to cancel my account for "going over their heads."

gregm13

I've reversed several fraudulant charges through my credit card and wasn't banned from Paypal. One was for a fraudulant Namath rc which the seller strung me along past the ridiculous 30 day window, one was for the idiot seller who sold me a searched 1977 Topps fb Vending box (I thing he/she was from Washington or Oregon) and the other was for a case of 2002 Bowman Chrome that the seller never delivered. In all three cases, I received a credit from my credit card company through their fraud protection program.

By the way, I have leared my lesson about having sellers string me along past the 30 day window...

Regards,

Greg M.

packCollector

I charged back a 12k transaction through my credit card and received every penny after paypal did not get me anything.

Wizardsguildcards

I would suggest getting on the phone with Wells Fargo as they own Paypal.

Paypal is owned by Ebay.

Honestly I like the way Paypal is run for the most part, but I think it was wrong of them in me and the other sellers situation of them to do what they did. Most people are "screwed" by Paypal because they did not follow the rules of accecpting Paypal. My situation involved us doing nothing wrong.

A seller was selling ipods he did not have, raked in about 5000 dollars in his Paypal account then went on a shopping spree under another ID using the money in Paypal. Paypal felt that they needed to reimburse the scammed buyers by taking it from the honest sellers he bought from.

DBH- You mentioned Paypal freezes the assests of the scammers. Paypal has no legal right to freeze assets they can freeze your Paypal account, but they cannot go into a bank account or credit card without the owners permission. This was part of the 2003 lawsuit against them.

Elemenopeo

I'm not totally down on PayPal. I still accept Paypal as a seller, and use it whenever possible as a buyer, but I found this site last night and it made for intersting reading.

DaBigHurt

<< <i>

DBH- You mentioned Paypal freezes the assests of the scammers. Paypal has no legal right to freeze assets they can freeze your Paypal account, but they cannot go into a bank account or credit card without the owners permission. This was part of the 2003 lawsuit against them. >>



I was referring to Paypal seizing whatever balance is left in ones paypal account in the course of a dispute.

duner

Can someone explain this to me....everytime you switch payment method it says something like "are you sure, you're still protected up to $1000 by paypal." What is that all about? are they basically saying you're protected up to $1000...and then somewhere in the footnotes it states, as long as that much is in the seller's account?

sagard

<< <i>Can someone explain this to me....everytime you switch payment method it says something like "are you sure, you're still protected up to $1000 by paypal." What is that all about? are they basically saying you're protected up to $1000...and then somewhere in the footnotes it states, as long as that much is in the seller's account? >>



As a buyer, they will protect you against a no-shipping/non-responding thief for up to $1000 as long as the thief was "verified" and they had their "Buyer Protection" emblem on the auction.

If the thief responds or ships you an empty box, who knows what will happen.

DaBigHurt

<< <i>Can someone explain this to me....everytime you switch payment method it says something like "are you sure, you're still protected up to $1000 by paypal." What is that all about? are they basically saying you're protected up to $1000...and then somewhere in the footnotes it states, as long as that much is in the seller's account? >>



I've always looked at that message as Paypal's last desperate attempt to convince you it's not in your best interest to use a credit card to make a purchase, when in fact it really is.

Of course Paypal doesn't want you to use a credit card. If you just use your paypal balance or bank account to pay for a transaction, Paypal's "ruling" on whatever dispute that arises is final.

You'll have no recourse. But with a credit card, that's a different story altogether.

Wizardsguildcards

DBH- That is one reason for that, the only other I can think of it that Paypal will have to pay a fee to the CC company for processing that payment the other forms are free to them. Of course they pass the fees along to the seller either way, but if they can keep from having to actually pay a fee it adds more to their profit.