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PayPal??
BAJJERFAN
Posts: 31,692 ✭✭✭✭✭
If you use PP gift thru a CC and for a firearm related purchase [which they disallow] what is the likelihood that they will provide some assistance if you threaten to file a chargeback?
theknowitalltroll;
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Unless something has changed then chargebacks are a CC issue not PP issue.
Therefore, PP will have nothing to do with it when a CC chargeback is initiated and if something was started with a PP beforehand then PP will cancel and be hands-off. If there is any $$ PP has for the transaction it’ll probably be put on hold until the CC issuer makes a decision.
I’m sure someone has a link to PP on this; I would need a lot more caffeine to self-motivate myself to start digging through PP.
Edit: Update below.
None?
Lance.
"Once you send money, you are not able to cancel or reverse the transaction. Please check the details of this transaction carefully. If you need to request a refund, you may do so by contacting the person to whom you sent the money."
https://www.paypal.com/us/smarthelp/article/how-do-i-send-money-faq1684
Begs the question.
If the $ came from a CC, then can a chargeback be started since it’s a cash withdrawal from a CC.
WAG, depends on the CC issuer.
Well, I guess PP might stay involved.
“What is a chargeback, and why did I get one?
When a customer files a chargeback with their credit card issuer, it means that they’re disputing a charge and asking the card issuer for a refund.”
https://www.paypal.com/us/smarthelp/article/What-is-a-chargeback,-and-why-did-I-get-one-FAQ2036
Or,
https://www.paypal.com/us/webapps/mpp/security/disputes-chargebacks
No more caffeine!
I may be wrong but..... I think when you send to friends you are agreeing to not being able to chargeback. If you need purchase protection you need to send to merchant.
Changed from Like to Agree.
I’m out of caffeine and running on empty.
Appears there is no buyer/seller protection from PP with FF. The only thing that might be possible is going directly to the CC issuer and that would be best answered by them.
A buyer sent a PPFF payment from a CC account to a seller. After a few days the buyer asks the seller why no contact and seller says he didn't receive the money. Turns out the seller sent the buyer the wrong email address to send the money to but the money was withdrawn from that account within minutes after being sent. So seller refuses to ship the goods or refund the money sent in error [or maybe not sent in error, but sent with intent to defraud].
PayPal refused to help buyer. So IMO buyer has recourse to file a chargeback with his CC company, but PP could save him the hassle and refund his money, esp. if same person has both email addresses on his PP account.
Since PP usually hates chargebacks they might be willing to help rather than deal with it esp. if they have a hard time recovering the $$$ from their customer.
Since he paid a fee for using a CC regardless then he should have just used the regular PP.
Most (if not all) major CC issuers have a fraud number to call. They’ll take the report and investigate, do not remember if they have 30 or 60+ days.
For the email and PP to work the email had to have been verified in PP.
Sounds like a 🐡y seller.
IMO
Unmess a mess? Should be a snap.
Agree, times 100.
Violate paypal T and C's with a firearm purchase?
Violate paypal T and C''s with a false FF purchase?
Whine about PP not stepping in and making it right?
PRICELESS
The only thing that would make this better is sales tax being collected.
It may have been verified. I have 2 verified email address associated with my PP account.
It was a firearm part/firearm related actually, but prolly doesn't matter. PP DID collect a fee so they should try to help IMO.
So here is the silly logic that both parties apparently used as the reason for using PPFF over regular PP. They thought that if they used regular PP that BOTH would pay the fee since the buyer was paying an extra 3% to the seller to cover the fee.
Since they got a fee for the transaction they could have at least checked to see if both email addresses were linked to the same person.
It's been posted here many times where someone is unhappy with their goods or services so instead of working thru PP they just file a chargeback with their CC company and the CC company pulls the money back from PP. So if they don't want to help, the CC company will and PP will co-operate with their investigation.
And NO this is not my deal.
Private sales are IIRC exempt from background checks.
Only for a face to face transaction for a firearm, if this was mailed or sent via carrier especially across state lines, even bigger problems as the ATF frowns upon such action....unless it is sent FFL to FFL and 'booked' accordingly. The buyer can then fill out a Form 4473 and go through the requisite background check should he not possess a license.
That's getting away from the issue and those details were not mentioned by the poster elsewhere.
The simple question is since PP hates chargebacks does the threat to file a chargeback offer any leverage when dealing with PP? I suppose if you work /worked there or had a similar experience you could give a definite answer; otherwise it's just like your opinion man.
I have no sympathy what so ever here. 1st stupid thing was not just using regular paypal as the cost would be the same...just cough up the percentage the seller has to pay. It is also probably classified as a cash advance on a credit card. The thing that grips me is if enough people cause paypal grief over this they will simply stop the program...screwing folks who use it legitimately!
Nobody cares about your thoughts on sympathy nor did they ask your opinion about it. The question was whether or not threatening to file a chargeback would have any leverage in getting help from PP. Yes, he should have just paid the regular way but as I said he was apparently misinformed about PP getting paid double.
Many people who use PPFF also use it as fee paid too.
I know you can't do a chargeback to PP, duh, but they don't like it when people go around them and do a CC chargeback because the CC company takes the money from them and the onus is on PP to get it back from their member who got the money which may or may not be easy. If the CC finds in PP's favor they get it back. The money sent to the incorrect address was removed within minutes of being sent kind of like the guy was expecting it. The "seller" refuses to ship the item or refund the buyer's money.
The buyer is not my friend, don't know him; it's just a situation posted on another message board.
PayPal refused to help him. If you use PPFF and a CC then PP charges you because the CC company charges them. Whether it's a wash or not I don't know.
Cheat PayPal by using a FF when that is not the case. You get what you deserve. Period.
I can't give any details that I don't have. Yes the seller is admitting to giving the the wrong email address whether intentional or not. If the account can accept funds isn't it automatically verified?
That's the one.
I am still looking for a connection to rare coins on this thread and can't find one.
I agree to just file with the CC, then fight it out. They may disallow, but you're right where you started, so what?
PayPal is a good thing to use to help buy coins; the connection should be obvious. Why does the connection have to be to rare coins? It's a US Coin forum not a rare coin forum.
My guess is the CC company will support him.
Not all of us....
Paper money eventually returns to its intrinsic value. Zero. Voltaire. Ebay coinbowlllc
I think it was more in jest, but who knows. The same kinds of stuff has been posted here in the past. Like a lot of threads here including this one stuff gets derailed.
...as opposed to a well regulated board.
So who won?
