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PayPal - $200 Buyer Protection Question

samspopsamspop Posts: 1,993 ✭✭✭
in Trading Cards & Memorabilia Forum
Has anyone won an item for more than $200, paid for the item through PayPal, then never received the item...but then filed with PayPal to get the $200 Buyer Protection maximum back...and received it, then contacted your credit card company to get the balance of the amount over $200?

Does PayPal frown on you going back to your credit card company to get the balance of what you are rightfully owed?

It seems like this came up in a thread sometime over the last few months, but just want to know anyones experience with it.

Thanks.
Mike

My eBay Auctions

My PSA Sets

Comments

  • mtcardsmtcards Posts: 3,340 ✭✭✭
    Paypal frowns on you taking any action with your credit card. I do not know if you can go over them or not. I think I would email this question to them and if they say you cannot go to your CC for the balance, I would go to your CC for all of it and Paypal would be out the rest of the dough.

    PS..Withdraw your Paypal money first as they have been know to freeze accounts for various reasons
    IT IS ALWAYS CHEAPER TO NOT SELL ON EBAY
  • LeiascardsLeiascards Posts: 3,233
    It is alot harder for Paypal to simply freeze an account now. That lawsuit they lost last year fixed that. They still can do so and going straight to your CC company without going through them is one way to get it done.
  • grote15grote15 Posts: 29,839 ✭✭✭✭✭
    My understanding is that Paypal will freeze the seller's funds if he/she has a Paypal balance and a complaint has been filed. If the funds have been withdrawn, the seller's account will have a "negative" balance, but they cannot go directly into a seller's bank account or credit card to get the funds.


    Collecting 1970s Topps baseball wax, rack and cello packs, as well as PCGS graded Half Cents, Large Cents, Two Cent pieces and Three Cent Silver pieces.
  • LeiascardsLeiascards Posts: 3,233
    It depends on how big the dispute with Paypal is for. I had one for 80.00 and they never froze anything but then had one for 120.00 once the idjit filed 2 days after paying because I did not ship on a holiday weekend and they removed it from my account putting me in a negative.
  • OAKESY25OAKESY25 Posts: 4,726 ✭✭✭
    I had a crazy buyer file a claim that she received damaged goods and one card was even missing...
    luckily I insured it myself... but she wanted me to pay her and wouldnt co-operate with filing insurance..
    anyway... I had already transfered the money... and they charged my credit card the amount of the transaction
    finally this customer released the claim ( and became a non registered user ) they refunded it.. but it took 3 weeks of waiting

    just my little horror story... but removing the cash won't do anything... they will just charge you for it

    bob
  • LeiascardsLeiascards Posts: 3,233
    They can no longer charge your CC or go into your bank account without your permission. That lawsuit last year keeps them from doing that.

    However if you have your Ebay payments set up or another payment set up to automatically come from your account you give them permission to do this they just piggyback the negative balance onto the payment amount
  • yankeeno7yankeeno7 Posts: 9,253 ✭✭✭
    Unfortunately, unless you have your own credit card account, ebayers will only ever be allowed to use paypal, checks, or money orders. Will be interesting if/when a new big player emerges.
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