PayPal - Complaints from Sellers

I can approve any document to you to against PayPal. According PayPal seller protection policy, the buyer abuse the buyer policy .Why PayPal favorite the cheated buyer?

I shipped a phone to a customer in Russia, using first class international mail, which had tracking information, which is only known in the US, and not in Russia. The person complained, after 30 days, that they never received their phone. PayPal sided with the buyer immediately in the dispute process, before I could have the Russian Post properly get back to me, as to where the item was. The buyer never provided any proof of looking into it. The buyer never said anything about the Russian Post, and got his money back, stripping my account negative, and losing all sales right after that, because of the negative balance, at the time I need the money most.

PayPal is a bunch of haters, so I reported them to the BBB, and the Attorney General. I went to **, and found the CEO's fax number, and sent a letter to Scott Thompson, who has not responded. I reported them to the FTC, and countless fraud watching sites online. Next, I am contacting the media. The only response I received, was for the the Attorney General in San Jose, who sent a letter that they are contacting PayPal and have received numerous complaints.

The people can take this company down. Stop using their service and get a Money Bookers account, to receive and make payments. Also, you really don't need PayPal for everything. Some sites allow you to use Amazon check out, and Google check out. I am getting ready to send a letter to Amazon and Google, and hope they crush their competition, and gain insight and advantage against PayPal's useless ways. eBay is to blame too.

I had two eBay sales where the buyer paid me through PayPal. Both were delivered and there have been no complaints. PayPal has put a hold on my funds and will not allow me to withdraw these funds. They said they are holding them for 180 days.

I sold four items through eBay auctions, which were won by a single buyer on 1/2/12. I received payment for same, and promptly forwarded the gift card information through eBay's so-called secure messaging system, as was the specified delivery method in my listings. On 1/24/12, I received an email from PayPal, indicating that my account had been debited $309, the total amount I received from the sale, as the buyer had filed a charge-back with his credit card company.

I immediately submitted proof of delivery of the gift cards, by uploading the correspondence between me and the buyer to PayPal's Resolution Center, however they've refused to reverse the debit of my PayPal account. My account now has a negative balance, and because PayPal has refused to allow me to close my account, or remove my financial information, the only way to prevent the company from debiting my personal bank account is to close it, and open a whole new account. I am in the process of exploring any legal avenues available to me, in order to resolve this matter.

I am longtime PayPal and eBay user in good standing. I identified items to sell on eBay and got about 90 orders in a little over 24 hours totaling about $40,000. Items were being drop-shipped which is permitted on eBay. PayPal noticed the large order volume and suspended my account without notice or review. Their action caused eBay to also close my account.

All of my purchasers got "security notices" from eBay and I got a lot of hate e-mails and even some threats. I refunded all of the money to all of the customers. PayPal refuses to open my account again and same with eBay. I never did anything wrong. The only thing that called their attention to me was that I had a lot of orders for my products. This is my livelihood and now I have no way of supporting myself and earning a living.

In addition, before this incident, I had 100% satisfaction rating and was a Top Seller. PayPal says they have no evidence that I did anything wrong but they are doing this anyway because the User Agreement says they can. I am at my wits end now over how I am going to pay my bills and keep a roof over my head!

When paying on PayPal, the new system states that they will automatically draw fund from your alternate account (credit card) if your bank account has insufficient funds. This is completely false and misleading! What they don't tell you is that with overdraft protection, the funds will be withdrawn regardless of available funds and regardless of overdraft fees.

After speaking with PayPal, the rep said I could select in the beginning of the transaction to draw funds from the other accounts. Well, this was confirmed after I found the tiny small blue word (change) at the end of one of the sentences at the top. What they couldn't explain was the misleading description of their billing process and webpage changes that accomplished nothing other than fraud.

This is not an automated system, if insufficient funds are in the account! What is automated is the withdrawing funds regardless of account status if the account is protected with overdraft coverage and the bank is willing to send funds. Beware all!

As you probably know, I have been a business owner for 10 years, and receiving orders through this website for two years using PayPal. The last four months, I have never seen such a lax attitude by PayPal to investigate theft. This statement is in response to PayPal not investigating theft occurring from my customers' bank accounts. Starting in July customers ordered products through my website, money was deducted from their bank accounts and no money was received into my account. What ended up happening is customers are bitching at me and not at PayPal's responsibility to investigate the missing funds. All last names have been withheld for privacy. Starting with Mr. Herman K. I received an order for one bottle of my industrial strength natural air freshener. After sending an e-mail to PayPal asking why no money was received in my account, they stated that we can find no transaction of this occurring. Thinking it was a spoof e-mail, I dismissed it. Then again on August 24th, I received another e-mail from PayPal stating one two oz. bottle of Scott's Hawaiian Multipurpose First Aid Liquid. Once again I contacted PayPal about this transaction and they gave me the same reply. No transaction of this occurred.

Anyway, Ms. Claudian Y. started calling me by phone about this transaction. I thought if this was a spoof e-mail order, surely the person would not confront the issue. So I asked her to contact PayPal, and once again PayPal said it was a clerical error. Then Ms. Charlene M. contacted me about one gallon of Scott's Hawaiian 4 in 1 Multipurpose Spray. She was told by PayPal that my account was unverified. If this is true, how come I have been receiving hundreds of dollars in transactions over the past year through this account? What has happened is sometime during July, my PayPal account stopped receiving funds from my customers. By October I finally removed all PayPal buttons from my account and replaced them with Google checkout buttons. I suspect that somewhere in PayPal's system, the code has been hacked, re-directing the funds into another bank account. Shame I had to figure this out and not PayPal.

PayPal refuses to investigate my customers' missing funds, and in part, has hurt the reputation of my business. But most of all the major disservice PayPal has done was to lose trust in their customers. Trust that for many years worked for my business has now had to be removed due to their failure to investigate this theft. In doing so, I hereby find it no surprise that the current Occupy Wall Street Campaign that is so far (as of October 4th) starting to spread to cities across the U.S.A. comes as no surprise as a corporation as large as PayPal has been a total failure to address this issue over the past 4 months. This is just one example that the corporate system is clearly serving the needs of their investors and not maintaining fair business practice across its spectrum of operations.

Total outstanding charges: $111.00, which has been stolen from my customers and has not been deposited into my account so I can ship their items. Clearly this money is going somewhere, but yet, PayPal refuses to investigate this matter. I did the right thing. I contacted PayPal. My customers and in the end fired PayPal from my website, and most of all I am informing all future customers by publishing this incident for all future customers of mine to read and judge for themselves PayPal's irresponsibility. I'm one for giving business their freedom; however, when you get so big and start ignoring misuse of trust such as this, surely some sort of oversight is necessary. PayPal boasts 91 million customers. All this power with no independent commission overseeing such a large number of daily transactions or investigating disputes. What has happened here?

Scott **. Owner of Mightyz.

On Dec. 2, 2012 PayPal initiated an investigation for 3 transactions (same buyer for all transactions). They froze my funds and asked for shipping information. I submitted the info as well contacted them to find out what was going on. The lady agent stated she wanted to make sure the buyer received her orders even though the buyer did not open an investigation. I contacted the same day and she stated she received the first 2 November orders and was still waiting on the 3rd. Since PayPal froze the account I stopped shipment on the 3rd order (could not withdraw the funds). I shipped the order because the funds were in my PayPal account.

A few weeks later Payday reversed all 3 transactions. No explanation given. I contacted PayPal and was told by a lady that the charges were reversed because I did not ship to China. The buyer on her order form listed a USA address as her ship address. I called again and was told that the buyer did not receive her items. I stated I had emails to prove otherwise. The lady then stated there was nothing PayPal nor I could do because I was not protected under the Buyer Protection.

I do not see how that applies as the lady received her first 2 orders and she would have received the 3rd order except I cancelled that order since I would not withdraw the funds from PayPal. I called yet again and spoke with another agent. This agent implied the buyer used a fraudulent credit card. I asked for contact number of the card company so I could contact them and the agent the info was private. I stated I would file a police report and needed to know if the buyer used a stolen/fraudulent credit card and the agent stated I needed a subpoena. Now, PayPal expects me to pay for the reversed transactions but they refuse to tell me why they initiated the investigation or what evidence was used. On their website it specifically stated you can ask to review the evidence but they want release stated that the information is private. How much sense does that make?

I suspect there is no evidence and that PayPal just trumped up the whole thing so they can rip people off. The buyer stated she could not refund the payments and PayPal froze her account for 180 days.

Now, a few weeks later I started receiving calls from PayPal internal collections representative. I explained my situation, and then asked where is the evidence to show I owe you money and here are the responses I received. The buyer did not receive her items; it looks suspicious for the Chinese buyer sending me, an American, thousands of dollars (well, she ordered thousands of dollars worth of product). My responses were there is nothing in the User Agreement that stated you had to ship to address on the payment receipt. There is nothing in the UA that states you can only receive a certain amount of money sent to you. It was not like the buyer was just sending me money. She was paying for product that she stated she received.

Now this was the most information I was able to get thus far so I called back and was transferred to the fraud dept. I spoke with a male agent for well over 40 minutes and he finally stated the money was refunded because it looked suspicious that the items were sent to a USA address as opposed to China. I do not ship to China and the buyer was fully aware of that and listed a USA ship address on the order form she submitted. I was then transferred to a supervisor, another 40 minutes of explaining the situation. This agent stated the funds were reversed back to the buyer because there was some concern of where the buyer received the funds to pay for the orders she placed with me. The agent was not willing to give me any details regarding what provoked PayPal to open an investigation; however, he did confirm that the buyer nor the credit card filed a complaint against me. What a relief.

I sent countless emails and have filed complaints with the BBB and the Cal. Attorney General. PayPal finally responded to the BBB complaint with a generic statement alleging there was some fraud and that they could not release the information I requested. They also had the shipping numbers mixed up, which made the matter worse as it appears they are now lying in their formal complaint responses. I replied to the email and am waiting on a response. My questions to PayPal still are: why did PayPal initiate the investigation and what evidence was used to make the decision to reverse the transactions? As you can see there is no fraud going on. The buyer paid for orders via PayPal. PayPal placed the funds into my PayPal account. I withdrew the funds to cover the cost of the items. I shipped the items to the address listed on the buyer's order form. Buyer received the items and sent email confirmations that she received the items and that she told PayPal she received the orders.

PayPal should be investigated and charges should be filed against them in a court of law for what they are doing. I am hopeful justice will be served one day and those in leadership will be jailed for their criminal behavior. If you have not filed complaints with the San Jose BBB as well as the California Attorney General do so today. Regardless of how long ago you were victimized by PayPal.

I have a major problem with PayPal. They charged my credit card and my bank for the same things and those accounts are the same. The bank charged me $25 for each transaction and so far, I owe the bank $175 in fees. When I ask them to stop the payments or use a different card, they tell me they cannot do anything because they are using a system that basically acts like an irreversible robot, it is a dead end transaction once I make it.

They got me so mad this morning. I just canceled all my bids on eBay because I am through with PayPal after I finish making my payments. My bank waived $50 for me so that the next time they try to take money for the checks that had already bounced do not bounce again. A representative from PayPal told me to borrow money from friends to deposit into my bank account to cover my fees because they will try to withdraw money for those checks again. I think this is ridiculous.

I just received an email saying Paypal is holding my payments for 21 days as I may be a risk..blah,blah, like above. I agree they are holding monies & accumulating interest off of our money, but they take out all the fees on time.

I just started an Etsy shop & set up a Paypal account. I'm a single mom with health problems & Etsy is a way for me to try to make an income from home. I recently had a good sale day (a one-time vintage valuable) & I turned around & shopped for hours using Paypal with those funds as I need stuff. Thankfully, all of those payments went through, but now this email!

The fact that you cannot reach customer service by the phone or email, contact the link on their site is a first indication of noncompliance. I believe this all falls under the legality of non disclosure & it is illegal! Now I (we) need to find out how to handle it. I told them to send me my $85 balance in a check by mail within 7-10 working days as promised when I entered the agreement with them. Any suggestions?

I have used PayPal for many years and haven't had an issue until recently. I ordered a pair of boots from a website. I had done my research, however once the order was placed and I received a confirmation email with a different email address, when I Goggle that email address it came back as a scam. And when the package was delivered, it wasn't a pair of boots, it was a reusable shopping bag. I right away filed a complaint with PayPal (in November). They contacted the seller, gave me an address in China to send the package back to.

I did everything that I was instructed to do, uploaded plenty of evidence and yesterday, they closed my case because they couldn't confirm delivery. Of course, they couldn't confirm delivery because the seller wouldn't accept the package. For me, I'm only out around $37.00 bucks but to have them take all the evidence and close the case is crap and shows that they support the scammers out there. And the sad thing is, plenty of people have been scammed by this same website and PayPal is still processing their payments.

My problems with PayPal include the fact that they are trying to permanently restrict my access to their payment processing services when I have been a loyal, dedicated and profitable customer for them since 2003. I have also used the services of their parent company (eBay) since 2003. I am also upset that they have frozen the funds in both of my accounts. I will not quit my complaints and legal fight with the company until they concede and allow me to use their services again.

I am in a difficult position because their company owns a virtual monopoly in the payment processing sector. My livelihood and eBay sales depend on having the ability to use PayPal as a payment processor. Additionally, I also sell sports tickets on Stubhub (also an eBay owned company), and PayPal is the preferred payment processor for this company as well. Nobody at PayPal seems willing to give me a second chance and I am outraged that they can take such a stance.

I am demanding to have access to their service ASAP, otherwise I will be pursuing a lawsuit against the company and I will encourage all of my friends, acquaintances, business contacts, and social networking contacts never to do business with the company again due to my negative experience with the company. Many other individuals have had extremely negative experiences with PayPal as well. We are all put into a difficult position due to the monopoly-like nature of their market position and eBay ownership of the company.

I will continue to fight Paypal legally until the company restores full access to both my Premier & Personal accounts. I have been in contact with multiple Supervisors and even a gentleman (Trevor) from Paypal's Executive Escalations team. I have sent out a letter to Paypal's Legal Department which they will receive by tomorrow. I have been a loyal customer since 2003 (both of Paypal & its parent company eBay). They have unfairly characterized me as an excessive risk to their company when I know for a fact that I would not present any significant risk to them if I were to be given a second chance with the company.

There's a new PayPal deceit. Join their Bill Me Later service and you will save $5 on this purchase and take 6 months to pay for it. You have to click the button on the EBay web page then sign up for the service which dings your credit, of course. Then you will get the bill but not $5 and not 6 months to pay. "Well, we didn't see anything about you signing up for a special order!" Crooks. Now I have to pay my bill, cancel the account and live with the hit to my credit score.

After 2+ years of selling on eBay from time to time and having nothing but the best feedback from all buyers, I just received an email stating that: 'We reviewed your account and determined that there's a relatively higher than average risk of future transaction issues (such as claims, or charge backs, or payment reversals). We understand that it may be inconvenient to have your payments temporarily held but please know that we didn't make this decision lightly".

If PayPal had Actually reviewed my account, this would not have happened. I think this is just a way for PayPal to earn interest on subscriber's money, just like a bank does, to earn income themselves.

I had a customer in Canada who bought a diamond bracelet from me. She wanted me to falsify the customs paperwork to state the value at $100. I told her I could not do that before I shipped. $42.95 shipping with insurance. She paid $35.95 and I paid the rest. When it got there, she refused it because there were customs fees. Then she contacted Paypal and opened a case against me saying she didn't receive it.

They froze my accounts leaving a negative balance of $1735.95. I called and wrote emails to Paypal explaining that I didn't have bracelet, but they sided in her favor anyway. They not only gave her the $1699.99 she paid, but the $35 shipping as well. On top of that, they charged me an additional $61.06 processing fee. The package is still in Canada. I had to put a trace on it through the post office. None of this is my doing. I made it perfectly clear to her that I would not falsify documents before I shipped.

Paypal is withholding funds. People, please read this. Don't ship until you've been paid. Paypal cannot afford to have this happen. If they hold your funds, don't ship.Inform Paypal of your intentions and inform the customer. This will stop Paypal from holding funds but it won't work unless you do it.

I want this thread to be a place for sellers of the community to let PayPal hear just how badly we are hurting because of the new payment holds policy. This policy is especially poorly designed for sellers of services. Those who, like myself, sell services instead of goods have no tracking numbers or delivery confirmations, which PayPal is treating as the only proof of exchange. Thus, my payments are almost assured to be on hold.

So here's what I want to say to PayPal:

Some of us make a living selling goods and services. I can't afford to have my payments on hold for 21 days and to have my account "reevaluated every 35 days", a statement that is vague and unhelpful to me. This is ridiculous. How would you feel if your employer said, "Sorry, but we're going to hold your paycheck indefinitely until we arbitrarily decide the customer is satisfied, based on factors that are often out of your control."

Let me give you an example of how this policy is flawed in practice. On eBay, I have no control over whether my customers rate our transaction. In addition, since I sell a service, I have no way of providing a "tracking number" or "delivery confirmation". In the eyes of PayPal, I have not provided a service, and while my customer is enjoying the benefits of my hard work, I am waiting indefinitely for the money that I have earned. I work hard for my money, and I have never had a single negative review or dispute for the service I provide, even after 2.5 years.

PayPal claims that this policy is in place to "ensure that the transaction is completed smoothly". But that's not what this policy is really about, is it? It's not just about ensuring that customers are satisfied, it's about reducing the number of disputes and expediting the dispute process for PayPal. Buyers are happy, PayPal is happy, and meanwhile, sellers--especially sellers of services--are getting sacrificed because PayPal knows we have no other option when it comes to transactions through eBay and outside of eBay with the majority of our customers. Don't you think it's wrong that people like me are getting sacrificed just so that PayPal can save time and money avoiding disputes? In addition, I have a strong feeling that this money is being put on hold to allow PayPal to profit and invest with it illegally while I wait indefinitely for money that is rightfully mine.

All of this boils down to one thing. Effectively, this is what this bad policy has done to my life: I had a successful online business while the money was flowing, when I could do the work and get the paycheck. I was living my dream working from home. But now, my successful eBay business is dead. I have had to get a traditional job because I cannot afford to "wait and see" if I'll get paid by PayPal, who has effectively become my employer for all intents and purposes. Hence, my business has suffered and I can no longer maintain it because I can't depend on a paycheck from my employer. I would switch to a different middle-man, like G_____ Checkout, but with PayPal so widely used and closely intertwined to eBay, it's really not an option.

It's really sad. I trusted PayPal and have advocated it for years to friends, family and customers as a trustworthy "people's company". Unfortunately, I can see that the company has shifted its focus from people to profit margins. I'm very disappointed. This bad policy has had a profoundly negative impact on my life, and I hope PayPal quits sacrificing it's sellers soon.

PayPal is a criminal enterprise as well as eBay their parent company. eBay held my funds for 6 weeks because of an error they made in my account status. I was told that they could not update my account status until they did their monthly account review one month later. Any listings that has ended up to that point, would be held until 5 days after the buyer received the item, which ended up meaning that they held my funds for 6 weeks for their error. It has cost me $50K-$100K in lost income because I was not able to make a final payment on goods I ordered to sell for the Nov and Dec holiday season until the beginning of Nov, so I didn't receive all of my goods until Dec 23rd.

PayPal and eBay have assisted buyers to swindle me on several occasions. The last time PayPal refunded a buyer $307 for 6 items that I shipped to Austria, that the buyer refused delivery on because they didn't want to pay the tariff on them, and then claimed the items were not as received and that they had sent the items back to me. Despite the fact that I had all the information from the post office to prove that the seller never even saw the items as they refused delivery, and that the items had never been sent back to me because the seller just gave the same tracking info on the package that I sent them which showed the item was still sitting in a post office in Austria waiting for the buyer to pick it up. PayPal withdrew the money from my PayPal account, including reversing 2 deposits I had made into my checking account and gave it to the buyer.

PayPal withheld an $11 sale. Here's what do to effect a solution to PayPal. You are not a creditor who offers credit to PayPal or your customer. When someone buys something and PayPal decides to withhold your funds from a sale don't ship until the funds are released. Inform PayPal what your intentions are and inform your customer as well. I got results and an apology from doing this. PayPal is a credit card processing center who is holding your money and making money off of that. No one else holds money from a merchant when a sale is made. PayPal cannot afford to have people not ship from a sale. It's really simple. Don't ship anything that you haven't been paid for and you really haven't been paid if PayPal is holding your money. They are getting way out of control with this and the only way they will stop is if you stand your ground on this.

Paypal is withholding funds that I have made from eBay. They say it is because I am a "below average seller". I was not emailed or warned that getting too many 1 or 2's on my detailed seller ratings would allow them to withhold funds for up to 21 days. They say they evaluated me on December 20th and I had received one too many 1's or 2's on my DSR's. I sold on eBay to pay for Christmas for my five children and was not able to buy them Christmas because of Paypal and eBay. I have sold on eBay for 13 years and have 100% positive feedback and 4.8's or 4.9's out of 5 overall on my detailed seller ratings. I feel Paypal is working in conjunction with eBay to push the small sellers out. The DSR system is completely unfair because sellers are being rated on the postal service and how much they charge and how long they take to deliver.

I received an email from PayPal stating that I am possibly a high risk seller and that my payments will be on hold for 21 days. I received this email on the 24th on Christmas eve and I am shocked. I am not a high risk seller. I have been selling for years and using PayPal and other forms of payment. I stopped selling on eBay because of their Communist rules and lack of payment options for me and the buyers. PayPal stated to me that if I sold on eBay that they probably would send my payments to my bank account as they used to in 2 to 4 days. They are trying to high pressure me into using eBay as my selling website and they are using my money so they can accumulate interest. We need to fight back. Does anyone know of a good class action lawsuit attorney that will help us fight eBay/PayPal?

PayPal limited my account, but no one can explain it why. This is what they sent me after a few phone calls:

"Thank you for contacting PayPal regarding your limited account.

Based on a review of your account and the information received, we show that you have or/are related to other/another PayPal account(s) that has/have unresolved issues. Unfortunately, due to the link(s) we have determined that we would like to begin parting ways in a manner that is least disruptive to your business."

No one can tell me what other account is/are or what those unresolved issues are. All my cases are closed, and I never had second PayPal account.

PayPal representatives and PayPal as a corporation are criminal at best. They have officially frozen an account of mine and refuse to tell me why it was limited, claiming, that information is proprietary and they don't share it with customers. The money is for an iPhone that I delivered and sold to a service, who paid me after receipt of the phone. My funds have been frozen without explanation or cause. How is this legal?

Paypal 'was' a good company to use? Paypal decided to put a hold on an $11 sale after they promised me this wouldn't happen again. I've had many emails to them and no response. Gee, I wonder why. Guess what? Here's what to do, I am not in the business of offering credit to Paypal or the customer, anywhere else you pay for a product the merchant receives his money immediately. So next time Paypal decides to hold your money, tell them as soon as money is released, I will ship the item then inform the customer as such, this action will get a response. After all, why should I send somebody something I haven't been paid for, and why should you? It's real simple, don't ship unless you have your money, no one does.

Paypal is a horrible company, stay away. I sold a housing for an underwater camera, and yet the payment was held and is now being held for 180 days. I provided my photo ID, utility bill, went through all kinds of verifications. It's complete ** and I feel like I'm applying for a job at NASA due to their regulations. The company is making interest off money that is rightfully yours.

I run a small massage therapy practice. I recently had a customer pay for 2 gift certificates on my website via PayPal. The total was $100 for both. The client, who I've worked with a number of times, received the gift certificates via email. After over a month of the funds just pending in my PayPal account, I contacted PayPal to find out why my funds had not been released. The first time I contacted them, I never got a response. About two weeks later, I contacted them again and got a response from a lady who did not speak English very well and she said that it was probably because the customer had not paid for the items even though it says pending on my account.

So I replied and got another response from another representative who said that PayPal will hold the amount until the gift certificates are redeemed on my website. Since I performed a service, they can't be redeemed on my website. So PayPal said, in that case, they hold my funds for 18 months, regardless of when I perform the services. So PayPal is expecting me to perform $100 worth of services and wait over a year to get my money. I want my money now! I will never work with PayPal again.

So I'm a casual seller. Mostly electronic-mailed goods, some tangible ones. Got into PayPal/eBay with buying computer parts for family repairs. So I started selling and it's working fine. I do realize this "seller protection" basically is a thin piece of paper. But I did not have big problems. Met two jerks who left Negative feed backs, but still I was up around 90%, no financial loss. so I was still selling. I sell these digital stuff for a dollar and these sons of fitches take about 50% (PayPal and eBay), and then they're still not even loyal to the buyers!

So I sold my laptop. "Seller Protection Eligible" address was confirmed. Payment was confirmed. Blah. So I shipped the item, via Insurance, and it's one of the stupid most thing I did: I did not charge that on my credit card. I will file dispute against eBay fees that I've paid for, though. No way am I going to let them fly with my money free. So according to PayPal, you're "protected" when you ship the item with delivery tracking (I did), and since it's over $250, get a signature (I did too). Alright... so I did both, plus I bought a full insurance.

The stuff arrived in 3 days, buyers picked up (since they need signature to pickup, you know?), so I assumed things are OK. Paypal released the money (which I do feel like it's ridiculous! why can't I hold that in my pocket! I rather feed that to my bank, who would actually back down from "swipe fees", eBay/PayPal do not back down from any of you weak buyers and sellers). And then I did rule of thumbs and took the money into my bank account, instead of PayPal.

Alright, the drama began after 2 weeks, the buyer says, Oh it's DOA. Fix this situation for me. I thought, well crap. but I did the things I could, filed the insurance claim. told the buyer that I need to wait. Nope. the buyer seems fraudulent starting from that point. Demands returns refunds all the blah blah. I said no, so he "sued" me over to the buyer protection program.

So then I got all the evidence up, escalated the claim. They only granted me a little hold for 15 days, and I doubt it will recover my money for me.

Either way, I won't sell any tangible goods over PayPal anymore. Whoever wants to defraud a buyer, can do it freely. Get a expired debit card.... start screwing around, register it over PayPal, and then pay the stupid current PayPal sellers! And then you do snad. After snad do charge backs. Then you get freaking 2x your original payment to seller, and then 1x the goods in the listing.

It's basically BS! and the sellers are basically stupid suckers. You need to believe me in this. A seller who sold over $600, and I'm not quitting because I'm stupid enough to let people defraud me when I deal with sales carefully like hell! I get defrauded if PayPal simply wants me to pay for what their buyer protection wants to pay, while keeping their hands clean, kissing banker's ass by withholding all of our dollars and running interests out to PayPal's pocket from our money!

On August 22, 2011, I sold an item on ****. The purchaser paid through PayPal and contacted me with shipping instructions. The item was shipped with insurance and delivery was proven. 7 days later, ****'s message states that the purchaser could not be verified and the items should not be shipped to this user. It was too late to warn me! On November 30, 2011, I received a notice from **** that a dispute was issued against my account. Digging deeper into what this meant, I found that the cardholder either tied to the **** account or a **** account using the stolen credit card which was what was used to pay me. The cardholder disputed that the transaction was not authorized. **** told me that the credit card company simply was too powerful to fight but they would try. To make the long story short, **** allowed a criminal to either hack a **** account or didn't verify a stolen credit card for use in their system and now wants me to pay for it. It is bitter to swallow a pill since the item was $2,000 USD.

I had sold something on eBay and the buyer was out of the country. Now, I sent the phone using sups with a tracking number. The buyer said he did not receive the item and is demanding his money back. I have talked to PayPal and they are going to favor him because there is no delivery conformation. I called sups and nothing. I have contacted the US customs, the Russian customs, the Russian post and nothing. When the package goes overseas they do not use the USPS tracking numbers so there is nothing to ever show were the package is.

He has had complaints on his feedback saying that he said he never received the item and that he is a liar. He told PayPal that he was getting it as a gift for someone for Christmas. He has purchased over 60 iPhone from September to December, that's a little fishy! Now, he most likely has the phone. He is getting his money back and I lose my phone and have to pay out of pocket. This is not right! There is a scam going on with people in his country and people are getting ripped off left and right. Please help me.

PayPal and eBay placed a hold on my account and I have had nothing but positive feedback. Sell and ship on time and pay right away when purchases are made. Answered all questions from buyers and respond quickly. Now, I have cancelled all my listings and transferred all money to my bank account. I will now be an Amazon customer. I would like to see a joint effort on all eBay sellers part where all sellers end all items for just 1 day to send a message to eBay and PayPal that if they want to play so can we. Join together sellers and take this back.

It is the same problem here. When I confronted them on the phone, at first they claim that I need to establish a seller-buyer relationship. Then, I explained that I have previously sold items, most importantly, as much as 3-4 years ago. Then, their excuse is I need to re-establish a selling relationship because I have not sold for a while. However, they continue to hold my money for 21 days after I have sold 2 or 3 items within the past month. I have called and complained to them and all they give me is excuses. The problem is that the seller has already paid therefore I don't receive any money for three weeks.

Then, the last time I sold an item, I called them to get payment and it was more than 21 days. It seems to me that they did not want to pay money owed to me. I threatened to turn them in to the FBI and Consumer Protection Agency. Meanwhile, during the conversation, I did inform them about the fact that they are out-of-the-US, consequently, they feel as if they can do as they please and no one can touch them. Conclusively, it is a fact that when people out of the U.S. are handling your money, essentially, there is little legal action you can take because they are not regulated by any governing agency.

PayPal limited my merchant account for no reason, except a "concern" that was never explained to me. Now they refuse to let me erase my back account or credit card information. I am fearful if their data-base is hacked that sensitive financial information is at risk.

I recently began selling items on eBay for extra Christmas money and to help me with paying my obligations. I have used eBay and Paypal in the past, without any complications. However, this experience was and is horrible. Getting your money from Paypal is worse than pulling teeth. They hold your money for 21 days after the completion of the sale and the merchandise has been delivered to the purchaser. Earning interest on the money that is lawfully yours. eBay and Paypal do not employ US workers. These people you speak to are in India. You can't understand them and they are not helpful in resolving your issues. I will never use eBay for anything and once all this is completed, I will be closing my accounts with both eBay and Paypal. I am trying to support America and American workers. Someone needs to file a suit against eBay and Paypal.

Paypal has a new policy that places payments on hold for up to 21 days automatically. Despite having a superb track record of positive transactions on Ebay for almost ten years, with 100% positive feedback, power seller status, etc., our account funds are being restricted due to some criteria that categorizes us as high risk. Excuse me? What have we done wrong? This is entirely unwarranted and unfair. This new policy is blatantly wrong and likely illegal.

We are unable to access our rightful funds for a delayed period of time. As such, this places a hardship on our business cash flow and impacts our fulfillment process. Customer satisfaction suffers.

It is clear Paypal is making additional interest on our withheld funds, to the detriment of our business. This policy should be repealed immediately and punitive legal action taken against PayPal and potentially Ebay as well. A class action lawsuit should be undertaken ASAP.

I have been selling on eBay for a few years now, and learned a long time ago to use delivery confirmation to protect myself. I recently sold a jewelry item on eBay for $259, and 3 days after it was delivered, the buyer opened a case against me on eBay with a Paypal dispute. I answered with the usual delivery confirmation/tracking number and thought I was safe. It was not!

When I called the Paypal to discuss this issue and any course of action, the Paypal representative, "Sarah", was not helpful at all and left me feeling like I was troublesome to her. Yea, you would be too, if you just lost $259 and a 14kt gold necklace! In our brief and non-courteous phone conversation, I learned of a little known clause that Paypal has concerning sales of items over $250, and that a confirmation number is not enough. They also require a signature confirmation on all items over the above amount or they will simply give the buyer back their money, no questions asked.

After stating that the buyer made no effort to contact me, the Paypal representative stated "they don't have to!" However, that has not been the case in times past, when they encourage buyers and sellers to work things out before going to the resolution center. There was no arbitration, no communication, no evidence given by the buyer of any kind, and no advance warning by Paypal to alert me of the need for the signature. The clause that was described to me concerning this issue, was buried beneath 2 or 3 different links away from the Paypal/eBay finalization process for the transaction. I feel robbed!

After over 8 years of trouble free transactions, PayPal began withholding the customer's payments, making it impossible for me to ship the items in question (shipping being included in price). Their customer service was condescending and unhelpful.

I made an eBay sale and waited two weeks while the shipment made its way to Canada. When the shipment was confirmed by the buyer, I had to call Paypal to ask them to release my funds. I spoke to three different agents. The first told me the transfer was immediate - lie. The second told me the transfer was in progress and that my bank had to clear the deposit! A third agent gave me the same story - Paypal is not a bank. Your funds transfer goes to a "clearinghouse" and the process takes three - four days.

Ever since Ebay and Paypal went together, their service has gotten worse. I sent a package out by FedEx, which is not a Ebay or Paypal, confirming the person got their package. Paypal has not release the funds even when they saw it was delivered and claimed. I need to wait another 3 days since Paypal is not a bank, they are not covered by Federal laws. Ebay has seen the last of my business. I'm going to contact the AG in their state next.

After 3 hours on the phone, eBay and PayPal are holding all of my PayPal payments for 21 days because some yahoo doesn't like my shipping charges. If you don't like my charges, don't buy from me it's that simple. eBay is forcing us to use their shipping methods which I choose not to use. Is this compromising my free trade? When I signed up with eBay in 1999 and have sold over 6,000 items, with over 3,400 feedback, with 100% feedback and they dare to hold up my money because some ** doesn't like my shipping fee. I'm sure this is illegal and I am pursuing legal action. I am not bound by anyone to charge a certain fee for shipping and as a standard my shipping fees are very reasonable.When did eBay become a dictatorship?

People should know that PayPal is owned by eBay.

Purchased item, receives items, verifies it is received. Never ask to return it. Files a "no receive" complaint with eBay/PayPal. PayPal refunds all funds sent + shipping , charges me a "filing fee". Refuses to provide any proof of "acting on my behalf." Refuses to provide buyers payment info. Buyer refuses to return item, has funds. I am not even able to warn other eBay sellers about her. All PayPal does is return my letters/emails with form letters.

I have account with Paypal and I am doing a kind of outsource work from my home with RBI guideline. As per new RBI guideline, Paypal automatically withdrew the 2 above-mentioned funds to my ICCI bank account but unfortunately that ICCI account #** has been closed by me on June 2011 due to some personal reason and I forgot to update new bank account details on Paypal. Regarding that withdrawal, I have contacted my ICCI home branch. They said that they did not receive any fund from Paypal due to that account having been closed by me.

So as per Paypal request, I have given a Global Trace Request on Paypal for my missing funds a few weeks before, but still haven't gotten any response from Paypal. The Paypal executives are giving me wrong information like saying Paypal already sent a check to me and others are saying PayPal sent a demand draft to me.

know which information is correct. Today also I spoke with one Paypal executive, she said that on the 4th of November, Paypal dispatched a check to me but I am not going to trust them. If you can please do the need for me. Thanks.

Withholding money on their end is just like stealing and how do they get away with it? I have a 100% positive feedback. With one issue, when I ended up in the hospital in which I refunded the person as soon as I got out and now they are holding all my funds. Not fair at all. It is ironic that this holds on not just to me but so many other people who have been selling a while come on the eve of a lawsuit eBay is dealing with. I hope this does have some impact and trust me, I will be closing that PayPal account ASAP.

I have been a PayPal user and promoter for 7 years. Recently, they've begun holding money customers have paid me for 21 days. It makes it rather difficult to ship items when week's worth of business is being held (presumably invested somewhere) by PayPal.

I recently began selling DVDs on eBay. PayPal handles the financial part of the transactions. Money is withdrawn from a buyer's account, given to Pay Pal, and then the money is transferred to the seller's account. PayPal has informed me that because I am a new seller, they are holding my funds for three weeks before it is transferred into my bank account. PayPal claims they have this policy to protect the buyer. But I have communicated with many of the people who have bought from me and they think this policy is unfair as well. I am selling and people are buying from me.

I clearly tell everyone that if there is a problem, they can return it and get their money back. I am shipping my DVDs the very next day after the sale is made. Now, once the buyer has received my DVDs and sees there is nothing wrong with them and leaves positive feedback on eBay, the matter should be closed. Positive feedback at both ends says the seller is satisfied and the buyer is satisfied, that this has been a good transaction.

I too have had the issue with money being held. I was supposed to receive funds today, as Paypal stated the item had been delivered. Well, its after 8:00 am and still nothing has been made available. I think if everyone stops using Paypal and takes money orders and checks, Paypal will lose business and change their rules. I also think that Ebay should let sellers leave negative feedback, as some buyers can be mean and rude for no reason other than to get something for free. I work at Wal-Mart and see this a lot.

PayPal is a fraud. They are purposely holding onto funds to make interest on seller's money. They put a hold of my funds for 21 days and refused to give me my money after I shipped the item. I told them that I couldn't ship the item until I receive the shipping money included in the transaction. How are they expecting you to ship the item without the funds from the buyer in which they paid for. Their policy doesn't make sense at all and the people at San Jose, CA office need a wake up call.

I believe all buyers who have gone through this should get all interest that PayPal made and sent to them because we all know that they are making money by holding funds for 21 days. I think this is illegal. I want a lawsuit against PayPal and eBay for the fraud practices against consumers and the immediate change to their policy back to where it used to be or I want the interest on what they made on my money while they are holding it.

I have recently began selling on eBay again after a break. My sales flew out the roof, always a good thing. However, PayPal limited my account. I spent a large portion of my day finding and emailing in all the relevant information required and waited. Meanwhile, items were still selling and I had to work almost 15 hours per day 7 days a week just to keep up. Then, PayPal froze my account, all my earnings gone. Not only that as I had to borrow money to pay for stock in the first place, I am now way out of pocket and exhausted. PayPal claimed that I am "high risk", however, I have been nothing but honest and gave them every piece of info they required. They state I am selling designer items.

I am doing no such thing as I explained to them so it is now in review again. In the meantime, my eBay has been suspended and I have no sales coming in. I have buyers saying eBay has told them to open cases up against me and I am also being named a fraud! Excuse me? So now, I have worked all this time, shipped items, money frozen and buyers claiming it back. I have called PayPal about 4 times today and there is apparently nothing they can do until it has been reviewed. So now I am expected to sit back, watch my good name be tarnished, see my funds locked and await a decision, a decision which, in my opinion, is completely irrelevant as I have done absolutely nothing wrong apart from have a good start to my business.

This payment hold policy is keeping money that is rightfully mine out of my hands. This is my money from a sale of one of my pieces of property (Snowboard). I need this money and counted on this money to ship the item to the buyer and pay my bills. How does anyone have the right to take your money, and charge a service fee in the process, then hold your money. I need this money now!

PayPal states that they will hold my funds now because I am considered high risk and although my feedback score is 100%, it's not enough! Well, I have had enough. I hate PayPal and eBay. This has to be illegal. I need the money to live on. If not, I wouldn't be selling my stuff! Meanwhile, they are using my money.

My identity was stolen and several bank accounts and credit cards were opened up in my name. Police reports and affidavits were filed. The banks and credit cards recognized that fraud was committed and that they made mistakes by allowing accounts to be opened up. Paypal, on other hand, waited almost 4 years before contacting me about an account that had been opened up and linked to the fraudulent bank accounts. They have arrogantly chosen to freeze my real account and want me to pay for someone else's crime. Paypal failed to go after the person committing fraud. Instead, they are looking for someone else to pay for their own mistakes. Beware of these policies. I will not be using Paypal or eBay in the future.

I sell homeschool books from home and I use PayPal. Well, in August, I sold a book and mailed the book with proof from the post office. About 3 days later, I have a "case" opened on me, saying the seller got the packaging but no book! I contacted my post office and her post office, and they both told me if the package looked like it had been opened or tampered with, the post office would have let both parties know. The seller even said that it did not look like it had been tampered with. I got scammed!

After speaking to PayPal and telling them what the post office had said, they told me that they normally side with the buyer! What? Where are the sellers' rights? Well, in my case, they sided with the buyer and took money from my PayPal account which put me in the negative and froze up my account! PayPal are crooks and get away with way too much!

I have been selling on Ebay for the last 2 years, having had my Ebay account since 1991. I had auctions that ended with the money being paid into my PayPal account. I was informed via email that my funds were being held for 21 days or until confirmation was received via Ebay that the items had been received or positive feedback on my Ebay account. This is when I learned that Ebay and PayPal are the same company or under the umbrella of the same corporation. Being unable to directly contact anyone, I called the 888's for both companies, was given a PIN and finally spoke with their representatives, one whom I could barely understand. Both obviously reading scripted answers, I finally asked where they were (physically) and one replied India, the other Asia.

Neither of the customer service reps could answer a single question. Both telling me that I should immediately ship the items and once they had confirmation of receipt, positive feedback on my Ebay account and that there were no disputes,yada yada yada, my money may be released earlier than the 21 days. Are they going to be paying me interest on the money they're holding? As they are definitely earning interest on those funds, not only from me but from these post I am reading and a lot from others whose funds are being held.

But another concern I have is that these are supposedly American companies and they are outsourcing their customer service to Asia and India. This during a time of economic hardship, where the people are trying to earn enough money to feed their families, keep a roof over their heads, and pay their bills. Having lost their jobs, or seen substantial decreases in their income, they turned to selling their stuff on Ebay to survive. Yet Ebay/PayPal arbitrarily decided to hold these funds for reasons even their customer service folks can't fathom. Yet, they have taken jobs that could have been made available to the US public and sent them overseas, where they could pay a smaller wage.

So they not only are saving money by doing this, they are now making more money by holding legitimate funds that belong to others, are drawing interest on, off the backs of the American people. Now to another debacle from PayPal/Ebay. When I received the email from PayPal, holding my funds, being told that I must ship immediately, I printed the shipping label online on my Ebay account, only to receive a call from my son asking why the shipping fees were taken from HIS PayPal account? Inept ringing any bells for anyone here?

My son sold some items under my Ebay account and had the funds sent to his PayPal account in the past. I have since shipped from my Ebay account and had the funds deducted from my PayPal account. So where's the answer? They can't answer it at either customer service venue. If and when this is resolved, I will not be doing business with either entity.

PayPal and eBay now ripoff sellers. I've been using eBay for years, with 100% positive feedback, never any complaints. I sold an item on October 11. The buyer paid (via PayPal) and I shipped it 2 days later. USPS confirmed delivery on October 18. PayPal refused to release my funds until sometime in Nov. This has got to be a scam to let PayPal (and eBay) use the float on the money they hold. It's bad enough that they charge such a high fee (eBay for selling, plus PayPal for handling the funds. You know they are the same company, right?). Both eBay and PayPal said that this policy is for the buyer's and seller's protection. Yeah, right. It's for their greed. I'm filing a complaint with the FTC and signing up with an alternative payment company. No more PayPal.

I purchased an online credit/background check from a company. The company failed to send the credit check portion of the package. I needed it to determine the status of a rental unit. I contacted the online company by email and telephone twice and nobody ever got back with me. I scanned and supplied the online company with the authorization signed by my tenant and my information for the credit verification portion. Still no credit check supplied. I opened up a claim against said company and asked for a $20.00 refund of the $29.95 charge because the most important portion of the background check for me was the credit portion, not verification of previous addresses and or criminal history. I have free sights available and do not need to pay for said information, but it was a package so I paid for all. I was willing to pay the $10.00 for the information I did receive because it had some value to me.

PayPal refused my claim and paid the online company in full, even after the company already offered a $10.00 refund for failure to supply the credit portion, is that not an admission of guilt? How can PayPal pay in full to a company when they never supplied the services advertised? I am tired of this as it has happened to me before when service has not been given and PayPal has paid the vendor in full.

I have always held eBay and PayPal in high regard, although I do not sell often nor have a lot of eBay transactions. I liked having PayPal to pay for items I buy online; however, I was shocked to find that any funds I do receive into my PayPal account will now be held for 21 days for being "high risk". How can this possibly be legal? I have had no complaints against myself as either seller or buyer.

I don't trust either eBay or PayPal anymore. I can't believe this has suddenly occurred as I like selling items from time to time on eBay. I've never had a problem, not ever. I suppose all these complaint sites are designed to allow consumers to let off steam, and so I have. I am having the worst time understanding this new and possibly illegal "policy" by eBay and PayPal.

I sold my stuff on eBay. The money went into my PayPal account. I withdrew it but there is no evidence of my withdrawal. PayPal account is now 30 pounds lesser. My contact number won't fit into the box above and the no. is as follows **

The cabal of PayPal and eBay have united to rip-off all sellers. I sold $650 earrings on October 6. The buyer paid immediately through PayPal, and I shipped the items--had it insured, with signature required. USPS confirmed delivery on October 10 and they refused to release my funds until October 25. This is ridiculous. PayPal gets to make money on the float, and I get to twiddle my thumbs wondering where the ** my money is. Both eBay and PayPal stonewall are saying that it's for buyers protection. I have a 100% seller rating but "not enough feedback" out of my control. To hell with both eBay and PayPal. They are crooks!

I sell on eBay to make money to live on--eBay and PayPal steal the money to use for up to 25 days for no reason. In the meantime, I borrow money to live on. There has to be some kind of class action lawsuit.

I have just had a listing removed because I asked not to use PayPal. I am selling a surfboard for a friend and would prefer the item to be picked up, as it can only be delivered locally anyway. So, the payment would be cash on pick up, giving the buyer a chance to check out the board before they hand the cash over too. I tried to take the PayPal option out. I was told that I had to provide at least one 'safe method' of payment, the only 2 options being PayPal and merchant credit card. They are basically forcing you to accept PayPal and consider cash on pick up unsafe-crazy, as that is how most shops work and have done since trading began. I know, as a buyer, that I would consider picking it up safer than PayPal. They use totally corrupt, subtle way of third line forcing.

I sold an item on eBay and everything was going well, except the buyer was acting a weird, asking me a lot of questions like how I send it and "Please leave feedback now" (so I would not leave it when he tries to fraud me). He paid for the item and I sent it my usual way, standard international shipping. Once I sent it, I received a message from another eBay seller saying to be careful of that particular buyer because he seemed to be acting a weird. I told him I already sent the item and to let me know what he finds out through eBay and PayPal. I called eBay that day and notified them of my concerns, and they said that as long as I sent it to the address listed, I would be covered.

Unfortunately this is not true; last week, this man opened a claim on me though PayPal saying he did not receive the item. I provided PayPal with my customs form number which has his address on it, and I told them I have the receipt for the shipping as well, since I did not send it with tracking. This did not do anything for me; the guy received a refund for the money he gave me and he got the item I sent him. This means I have lost over $1,000 for PayPal not investigating this case correctly.

There are many bad ratings on this buyer now. He is a new account holder on eBay because he already got caught doing this to others on his last account. I looked up his name on a Google search, and he comes up and it says he is a fraud and he buys internationally and then files a claim on PayPal to get his money back on top of the item, and that is exactly what he did to me. I understand that the members at PayPal are not investigators, but this should not be allowed. I am so angry and I know this has happened to may other people. I want to fight this. They need to change the way they work because I have lost a nice amount of money and I am sure other people have, too.

I used PayPal service for my online business and I trusted them to protect me, my business, and my money, but they did not. They went in favor of the buyer who then requested a refund stating that the TV was not as described. But when my TV was sent back from buyer, it was broken the screen was completely off its casing and showed numerous signs of negligence. I called PayPal on the day it came back, which was 9/29/11; I spoke to a rep and explained. She stated that she was opening an appeal on this case so that it can be further investigated but after waiting 2 + weeks on there response, I logged into PayPal and no such request for appeal was made I was not ever contacted by any rep at PayPal and now I have a TV that was destroyed and PayPal is doing nothing to protect me as advertise when they offer their services to you.

I have been selling on eBay and Etsy for a few months, and it has been great up until PayPal decided to limit my account. I have 100% feedback on both my accounts. I can receive money, but I cannot touch it. PayPal is working with my money, while I stress out and try to figure out how to pay my bills. Without my money, I don't have the funds to pay some of my bills and definitely none to pay for shipping out of my pocket.

I have sent over 15 emails asking for answers or at least some sort of advice as to how to fix it. As of now, I have not gotten a single answer or a legitimate reason why my account got limited in the first place.

After 15 years of selling on eBay, PayPal has now decided to hold monies received from our buyers for 21 days, claiming they want to be sure the buyer has received the item and writes a feedback. Problem is, most buyers don't leave feedback and as a seller, I can not afford to operate a business without working a capital. Several people from PayPal made up excuses why they are doing this. They told me that my shipping costs are too high. I list exactly my cost plus handling for boxes, bubble wrap, & popcorn. Buyers know exactly what the shipping costs are before they buy. They have the option of bidding or not. Most of the time I lose money because I weigh the items prior to packing and I insert the weight in the shipping calculator on the eBay listing. However, after packing and protecting the item, the weight is more than expected. After the auction closes, I can not tell the customer that it actually cost a little more. PayPal's actions have now affected thousands of sellers. I pay them to collect the money from my buyers and I do not authorize them to hold money. This should be illegal!

I have 100% feedback with PayPal and eBay, and they are holding my funds. The best that the 3 different agents there have told me was to "just keep selling" and it would eventually get taken off. This is unacceptable. I've been using PayPal for years without issue.

I am unable to sell anything using PayPal if it requires shipping. Plus if I ship international, there is no tracking and it's non-eBay so I'm damned either way.

I sent $90,000 (original price) worth of studio photography equipment to my friend to sell on eBay. He made over $20,000 on the sale of my equipment. A day after the sales, they closed his account and threatened to hold all of the money for up to 5 months! This is my money. I have called PayPal. They told me that they had the money and had documented my call. They said, "Go ahead and fight it with your friend." Is this a scam on PayPal's part? This must be illegal.

I have been a eBay/PayPal customer for over six years. I have been selling on eBay for about three months and buying for six years. I sold 13 items on Sunday, October 9, 2011. PayPal said that eBay has placed a freeze on my PayPal funds for the sales. I have to send out all the products without the money to pay for the shipping charges and in 21 days after I proved that the customer received the items and that they will release the money. I am very upset over this situation. I have 100% feedback no complaints ever on eBay and this is how they are treating me is stealing my money.

PayPal said that they would be holding my money for 21 days on future sales for no reason. I called PayPal. PayPal said it was eBay. eBay said it was PayPal. eBay then told me that PayPal said I did not have enough feedback and then I was a high risk seller. I have 100 percent positive feedback. This is not right. Please help with this situation. Thank you.

I am a small-time/low-volume seller. I have had an eBay account for over 12 months, have no known buyer complaints against me and a 100% customer satisfaction rating. As soon as I receive payment, I mail the item within one day.

I was very satisfied with both eBay and PayPal and had no complaints against them until (like the previous people documented below) they capriciously put a 21-day hold on my account.

PayPal gave no advance warning and no reasonable explanation - just an email that a hold will begin forthwith.

I contacted PayPal and spoke to an intelligent, polite representative who apologized and assured me that this action was not initiated by any complaints against me, that there were no complaints against me, that I had done nothing wrong, and that this was just a new PayPal policy. (However, I do fit the profile explained below that "Accounts which don't complete at least six eBay transactions in six months will automatically have their PayPal funds held and inaccessible for 21 days ". But this explanation was not given to me by PayPal in any call or communication - I only read it in another consumer complaint against PayPal).

The PayPal representative also promised me that my money can be available in less than 21 days, that once the item has been confirmed delivered, the payment is available immediately. But that was not entirely true. What I discovered yesterday after calling PayPal again (and iterated below by a previous complaint) is that the payment is not available immediately unless I personally call in and request it. In other words, I had to call in, again, and literally "beg" for my money. Otherwise, it takes three days.

What the PayPal representative also did not tell me (and that I only discovered today) is that PayPal does not even use the funds that the seller provided for shipping to pay for the shipping!!! Those funds are also held. PayPal requests the shipping funds from my bank account! Wouldn't such additional steps and transactions cost PayPal more money? Well, maybe PayPal makes enough in interest from our accounts on hold to more than cover that cost in increased inefficiency.

If PayPal does accumulate additional funds from this new policy, PayPal certainly should be sued. After reading the previous complaints, I know PayPal certainly has created financial havoc, distress, and ruin to numerous faultless individuals (See: **, and **). At the moment, I have a $15.00 late fee on a bill that would not have been late if I had received my money from PayPal in the time I had expected from all previous transactions.

I hope we join together in a class-action suit against PayPal. I do not know where to begin, but would happily assist anyone who did. In addition, (1) I have surfed the web for PayPal alternatives and would like any suggestions; and/or (2) propose we develop a credit union-like PayPal alternative for sellers and buyers (again, I do not have the expertise or funds to do this); and (3) like a previous writer, also encourage Google to launch better auction site and better PayPal alternative as soon as possible!

The 21-day hold for Paypal on Ebay is nothing more than a form of a Ponzi scheme. They keep your money and collect the interest for 21 days. It's as simple as that.

I have sold on eBay for five years. I recently sold a bunch of items and Paypal is putting a 21-day hold on my money. I use this money to ship items that were sold on eBay. I can't get to the money until 21 days, after the sell. It is hurting my business. I think it is illegal for a company to hold your money. They have also been charging double for fees and I don't know how to correct it.

Although I've sold on eBay and used Paypal for over two years, Paypal recently started holding my payments for 21 days. I am unable to access any of my own funds that were paid to me for eBay purchases even though I provided tracking information which shows items have been received by the customer. This is an illegal holding of funds so that Paypal can accrue interest for themselves on my money. Also, why has nobody filed against eBay for having a monopoly with Paypal?

I placed my eBay store on vacation hold. I stated that I was leaving the auctions, viewable as a catalog only. I went on to explain that during the time, my store was on vacation hold and that no shipments would be made. During that time, customers continued to purchase items. When I did not ship them as the auction stated, but as the vacation hold specified, they left negative DSR's. This led to a 21-day hold being placed on my account. What bothers me is that people are being shipped the items, they are getting them and they are leaving positive feedback. eBay and Paypal continue to hold the funds for the full 21 days. How can this be legal? They know that they have the item, but refused to release the funds until the 21 days is over. I feel like they are using my money for free for this period and not allowing me access to funds that are clearly mine.

PayPal held my money and did not release the money until I have called them. This is ** on their end. I am asking them why they accumulate interest on sellers and hold their money. Think about it, they have millions of sellers and buyers on PayPal. They can make tons of money on interests by holding your money. Let's get them, sue them, and bring them to court.

Let's get together and sue them you guys. Who's with me? Please respond.

Overall, my experience has been okay, except that I tried the Virtual Terminal and found out about the "rolling reserve" after the fact. I justified it and moved on until getting sick of the $30/month fees. I canceled the service last night and assumed the "rolling reserve" would transfer to available balance. It didn't. I specifically asked the customer service representative what would happen upon cancellation (I did so before applying for VT) and was told the money would be added back to my available balance. When I called to cancel last night, the customer service rep also said the money would be put back into available balance. Today, I was told that it will continue to stay in "rolling reserves" for the full 90 days. **. I'm so mad I'm considering canceling my account altogether.

I just sold $245.00 worth of merchandise on eBay and the shipping was $63.00. I received payment instantly from my buyers. I shipped out my merchandise right after payment and put a confirmation on the three items. PayPal is now holding my money until it's delivered. I believe that this is illegal and will be contacting a lawyer. I am only responsible for the package until I drop it off at the post office.

After I get confirmation and the package is gone, it is no longer my responsibility--it's the post office's. So, once that confirmation is posted, then my money should be taken off of hold and deposited in my account. I believe that they are illegally holding my money. And if anyone want to file a class action suit against them, let me know because I will do that.

Plus, I had to pay out of my pocket $63.00 in postage and can't access that money either until the package is delivered. If anyone is reading this and is a lawyer, let me know if I have a case. I am done with eBay and with PayPal. I am finished I will be closing my accounts as soon as I get my funds. This is so wrong. I am not responsible for what the post office does. The post office is not me and I shouldn't be penalized and have to wait for my money after the buyer paid instantly and I shipped instantly.

I have all the money paid by customers and PayPal is holding my money until I ship out the package. I am tired of doing business on eBay and PayPal, these people kept jacking our money as sellers. I even disagree with their $0.35 cent holding from seller every time we do a refund. We should all together sign a petition to sue PayPal in a class action law suit or something? Let's open a forum and get our name and signature together and sue them for doing business this way, they are keeping your money in an illegal way. This is scam from PayPal.

EBay put a 21-day hold on my money by way of PayPal. They are currently sitting on my $240 for twenty-one days or more. At the same time, eBay is sending me to collections for around $80. I attempted to pay them before they sent me to collections from my PayPal account, but eBay rejected my payment. There sole premise and reason for implementing the 21-day hold is because of possible charge backs from buyers, where the seller may not have the money to refund an item. This is the reason that they have the feedback system. If a buyer or seller is a problem, it will be reflected in the buyer or seller feedback.

This 21-day hold tends to effect smaller sellers more than the bigger stores. Again, another hit on the middle class. Money is tight for me now, but I would never put myself in a situation where I could not refund the money. I have been an eBay member for eight years with a 100 percent rating, and no refunds or charge backs as a seller or buyer. What I wonder is, if they are collecting interest or some sort of additional revenue on all of this money they are holding for 21 days.

In the past, I usually paid them in advance of receiving an invoice. The fact that they are so quick to sanction me for a questionable action on their part is a big red flag. I have to walk away from them. It is not worth the stress. If there is a class action lawsuit, I would like to join. This is not something I usually do, but I am fed up with bad banking behaviors. Yes, I know PayPal say they are not a bank.

PayPal is arbitrarily "holding" their customer's funds for a period of 21 days. There is nothing we customers can do about it, and they will not allow us to use, transfer, or touch our own money for that period of 21 days. They tell us they are holding our funds "in case someone files a dispute about a sale" from which the funds came. They are also "automatically" deciding for us, in collaboration with eBay, to give buyers refunds and we, the customer and seller, have absolutely no say, no control, over our money and how PayPal is handling it.

I sold an item worth $400 dollars on eBay and the buyer paid at that moment. I sent the item the same day. In the next 2 days, the buyer opened a non-receipt claim. Even when I provided the tracking number from the USPS via the PayPal website.

These idiots decided in the buyer's favor. What a joke of a company. Sellers don't have any Protection at all. Any scammer who knows how the system works, can make a living just scamming people with PayPal.

I have been selling and buying on eBay since 2004. I can't say there have never been problems as sometimes, shipments don't arrive or something breaks. I have a strict "no return" policy on most purchases that makes it easier. However, recently, a friend asked me to sell 4 race tickets he had for the Richmond NASCAR race on 9/10/11. I listed the tickets as I thought I was supposed to, noting that I had 4 of them and assuming that eBay would ask the buyer when they bid how many they wanted. The tickets had an $80 each face value and I started the bidding at $80.

The winning bid was $117.50 but when I checked, it appeared he only wanted 1 ticket. I am not a NASCAR fan so I have no idea what races are hard to get tickets for and which ones are not. I had requested that the buyer pay a higher shipping fee because the race was within 2 weeks. The buyer sent me an eBay message that said that he didn't want to pay the expensive shipping because there was plenty of time to get the tickets to him. I was not at my computer and answered him from my phone, through email, confirming that he knew he bid on one ticket and asking if he wanted more than one. He had stated in his message that he would be "checking his email all night".

The next day, I checked my Paypal and found he had paid for one ticket. I took all the paperwork that shipped with the ticket, copied it and mailed it to him Priority Mail and promptly re-listed the other 3 tickets. 2 days later, he contacted me wondering why I re-listed the three tickets. I explained that I had contacted him to clarify and since he didn't answer, I figured he wanted 1 ticket. He stated that I should have "known" he wanted all four and I stated he should have "known" I wasn't selling four tickets valued at $320 for $117.50. However, since I don't sell these things, I told him I would gladly refund his money, less shipping, if he got the ticket back to me before the race. He said he wanted his shipping as well, so I decided not to quibble over $5. He wanted his refund immediately and I said "you can't get a refund at Walmart if you don't return the merchandise. The day I received the ticket, I will refund you". He did not mail the ticket back. He marked it "Return to Sender". The race was 9/10. The ticket was delivered to me on 9/12. My friend decided not to sell the other three but to give them to a friend who left for the race on Thursday, 9/8. I had no alternative but to pay my friend for the ticket.

After selling on eBay and taking payments through Paypal since 1998, now Paypal has decided to hold my funds for up to 21 days due to my transactions being deemed as "high risk".

I sell full time on eBay, and this policy is pretty much going to put me out of business. I have a 99.1% feedback, but I have had a few claims from buyers that were settled in the buyer's favor. If the buyer gets a refund from me, why am I considered a bad seller?

I guess Walmart must be the worst retailer on the planet because they issue refunds all of the time. Luckily, I sell on Amazon and am looking into other sites (Google, please start an auction site!) to sell on. Ebay and Paypal are making millions off of the interest on my held money, so this sure seems illegal to me.

Today I received a notice from PayPal informing me they are imposing a 21-day payment hold/restriction (limitation) on my business PayPal funds. Really?

I immediately contacted PayPal to find out what is going on. I was told, "Accounts which don't complete at least six eBay transactions in six months will automatically have their PayPal funds held and inaccessible for 21 days."

What? My PayPal account, which I have used for around 10 years in good standing, indicates I made 30 transactions since Jan. 2011, of which only three were eBay. I have a 100% credit status with no complaints or bad transactions. I see this move by PayPal as an unjust and unacceptable control tactic. I will not allow PayPal or any other financial institution to have this kind of influence on my business and therefore will be closing my account.

I was in shock! What nerve.

We manufactured and sold some books to a small publisher. She had a complaint about the Smyth sewn stitches protruding in some areas. We picked up the books and rebound them. In the meantime, she stopped payment with her credit card through Pay Pal. After we agreed to repair the books, she reversed her claim and the matter should have been closed.

However, PayPal insists they need 75 calendar days before they will credit my account.

In August 2011, I sold some 14K and 18K jewelry on eBay. The winner was a man from the UK. The item was paid for via Paypal and mailed to the UK. The buyer contacted me a couple weeks later to complain that he had to pay customs fees when the item entered the UK. The eBay listing clearly mentioned customs fees, as being the responsibility of the buyer. Next, the buyer contacted me to demand a partial refund because he claimed some of the gold items were 9K, rather than 14K. The items were all as stated in the auction, stamped and tested 14K. It was fraud on his part. He also demanded that I refund the weight of the gemstones in the jewelry, even though the auction clearly showed the intact jewelry items on a scale in the photos.

When I refused a partial refund, he threatened to Tweet about how terrible a person I was on Twitter. I told him I did not care what he did and I refused to be bullied into paying him for something I did not owe. He filed a complaint with Paypal and they put my account into negative numbers. Initially, I was able to call Paypal and plead my case, and the hold was removed. It seemed obvious from the email string that the buyer was simply trying to get me to pay for the customs fees. Also, I had pending transactions on eBay at the time and I believe Paypal did not want those transactions to go badly, so they released my account, pending their investigation.

I was able to complete the other transactions on eBay and used the local ATM to immediately withdraw the cash because I no longer trusted Paypal. Good thing too! Paypal sent me an email about a week later saying that they had decided to rule in favor of the Buyer and my account would be back charged. They gave no reason, no proof, nothing. I had already emptied my account because I was wary after their first funds seizure, but now I had to close my bank account and associated credit cards due to this fraudulent eBay buyer and Paypal who produced no evidence, no proof of his claims and no merchandise back to me (as of this time). I was told that the buyer is sending the merchandise back to me, but I hold little hope of ever seeing it.

The buyer sends threatening emails to me and Paypal and eBay do nothing. Paypal is judge and jury and sellers have no protection at all. I was a lucky fool for not having been ripped off sooner. I've been a 100% positive eBayer for over 10 years, but no more. I am finished with eBay and Paypal since they are virtually one and the same now. There are only two types of Paypal users, those who have been ripped off and those who will be ripped off. I hope someone starts a class action lawsuit against Paypal. The fact that they can seize your property without proof or evidence of any wrongdoing, should be illegal. With Paypal, a seller is guilty until proven innocent, and they have no interest in allowing you to prove you are innocent.

PayPal started holding my funds per their policy. Their policy states that they will hold them until 3 days after confirmation of delivery, you receive positive feedback or 21 days. Well now it is over a week after confirmed delivery and positive feedback and they are still holding my funds. They refuse to give me an answer to my emails other than copying and pasting the policy; that they themselves aren't following.

Even though my account with Ebay is in good standing and I've only ever had positive feedback, Paypal has decided to start holding my money for 21 days. This includes the money I'm getting for shipping as well. I have to fund the shipping myself and wait to get reimbursement from Paypal. This can cause a delay in getting items shipped to customers.

I listed a welder on eBay, and it sold for $1025.00. The buyer messaged me and told me he only lives a half hour away, just in a nearby city. He asked if he could pick up the item personally because he wasn't that far away, so I checked my Paypal account and the funds were shown, pending verification of sale. So I met the gentleman a few miles away and delivered the welder to him at the half-way point. He was very happy with his purchase and went on his way, saying he would notify eBay about the item, and that it exceeded his expectations, which he did.

The next day, I checked my Paypal account and it stated that I must wait 21 days for payment, unless I had a a "shipping number"! How do you get one on a buyer pick-up that only lives a short distance away? So I called eBay and explained the situation to them, but it fell on deaf ears, and I was told to contact Paypal as it was their problem. So I called them and went in circles with a lady who could not answer my question, other than, "This is why we don't encourage customer will-call sales". Bull**, that just means they don't get to draw interest off of my money if they paid me after the buyer told them he was satisfied with the purchase. Nowhere on eBay or Paypal, does it state if a customer picks up the bought merchandise, you will have to wait 3 weeks for your payment! The lady from Paypal kept telling me I needed a "shipping order" to transfer my money into my account, but how the ** could I have done that? The buyer notified eBay of his transaction, and told them he had possession of the said item, and that he was 100% satisfied! What else does eBay/Paypal need to verify it?

I'm sure there aren't a lot of transactions where the buyer lives down the street, but in those instances, they should help you get your money faster. But no! They act like they could care less on the phone, so I think their way of doing business is flawed, and needs to be addressed. So now, the guy has the welder, making money with it, he is out of the $1025.00 which Paypal has had for 10 days, I have a $95.00 payment to eBay for the sale, and Paypal has already taken $35.00 for transferring the money to "their" account. I have no shipping number, no welder, and no money! It's gotta be against the law to treat their customers in such a "3rd world" way, I'd like to see a lawsuit against them!

I have been selling on eBay for 3 or 4 months now. Everything was going smooth. I have a total of 34 feedback now, all 100%. The buyers have been making payments through PayPal. I print shipping labels through eBay. I automatically use the funds that the buyers pay me with to cover for the shipping cost. Just recently PayPal, out of nowhere, put a hold on the funds that were paid to me by the buyers. Recently, I sold some items on eBay. As a good seller, once I see the payment is received on eBay, I print out my shipping label asap, so I can get the item shipped out as soon as possible.

But then a couple of days later, I saw that my bank account has 4 overdraft fees. Instead of Paypal letting me use those funds from my buyer to pay for shipping charges, it charges my checking account which has no money in there. It caused me to have an overdraft fee of $136.00! PayPal even admitted that it is their fault, but won't do anything about it. They said that because I am a new seller, they are putting a hold on my account. If they would put a hold on my account in the beginning for all the funds I have received, which is about $800, I would have known to have money ready in my checking account to cover for shipping. I am furious with how they are doing business.

I run a 10-year-old legitimate business with an A+ BBB rating and Paypal just hammered us! They are crooks in my eyes and they sat on $4,000 for over two weeks because of suspicious charges. They then refunded the customer and charged us reversal fees. The charges were legit!!

I have closed my Paypal account and warned anyone who is thinking about opening an account with them.

I listed a GPS system on eBay and opened it up to international buyers, with the instructions that the international buyer needed to contact me for a price for shipping if they should win the item. A buyer from Spain asked for the cheapest shipping information, which of course, was first class through USPS. The buyer from Spain won the item. He took over 10 days to pay for the item, which should have been a red flag. He finally paid and I shipped it the next day. The shipping was First Class USPS and cost $30.00 with no tracking information. This was a big mistake. So now, the buyer claims he never received it. Whether he did or not, there is no way to tell.

I sold a 4-month old tablet on Ebay for $400. The buyer lives 15 minutes from my house. He purchased the item and asked me if he could pick it up. He did an immediate transfer of funds to my PayPal account as the Ebay listing specified. He came to my home and picked up the tablet. I have a document with a copy of his drivers license stating that the tablet was in perfect condition, working and completely acceptable. He signed it and received it, there were two copies one for me, one for him.

PayPal is holding my funds for 21 days claiming that unless they have a tracking number for the item that was shipped they will not release my money. I tried numerous times to explain to them what I had but they didn't care and will not release my money.

I am a new seller/buyer to eBay. I have recently increased my transactions by selling more items. My first several hundred dollars in transactions went through PayPal without "holds". Two of my recent transactions, $122.00 worth, are being held for 21 days. When I called PayPal, getting a human was a chore in itself. The rep told me that because I did not provide a tracking number and I was "new to PayPal", there were holds placed and there was nothing anyone can do. I asked to speak to a supervisor. I was told they could not do anything as well. I asked for the supervisor's superior. I was told one did not exist.

I am perplexed how a large company as PayPal has no means of solving customer issues. It is strictly the principal of the matter. I have had no negative transaction scores. I have 100% satisfaction score for over two years. I have sold and paid for the shipping. The buyers got their item. PayPal took their portion (fee), but I can't get access to my money for 21 days. This is the poorest customer service I have received in a very long time. PayPal makes it clear they do not care about the people who use their services and bring their company income. When I purchase items, I am expected to pay in a reasonable amount of time, two to three days. It doesn't take me 21 days to pay for an item. When I purchase an item from a store, I can't tell them I will hold the funds and come back and pay in 21 days. At this point, the public needs a class action suit against PayPal to get them to change their "policy".

I sold an HP TouchPad on eBay. I received the payment from the buyer ($266) and shipped the item with a tracking number. The item was shipped on 8/31 and was confirmed delivered on 9/2 with no indication of any problem from USPS. On 9/6, I received an email from PayPal stating that the "buyer" was claiming that I had sent him an empty priority mail box and that they were holding my money until they could investigate the matter. I immediately contacted PayPal, eBay, USPS and the Dunwoody, GA police (where the buyer had opened a case claiming "larceny through mail"). In order to prove that I had fulfilled my end of the contract with the "buyer," the following is what I was able the get:

3. a copy of the police report from Dunwoody, GA police department stating that the detective-in-charge had received the above mentioned receipt and a statement that he was convinced that there was no wrongdoing on my part--the case would be closed and charges will be dropped.

I informed PayPal that I had the three documents listed above and would get them copies by whatever means they thought were quickest in order to help them in their investigation. A PayPal dispute expert directed me to to fax the document so I did it that same night. The next day, I received an email from PayPal saying that they had ruled in the buyer's favor, taken the money out of my account and placed it in his.

I immediately called the PayPal dispute center and spoke with an associate who told me that they had not received the documents but that I could fax the documents once more to a different number and open an appeal. I immediately faxed a copy of all documents and also emailed copies of the documents to complaint-response@paypal.com.

Once again, I called the PayPal dispute center to confirm that they had received my documents but they would not return my money because they had already ruled in the buyer's favor! How does PayPal settle a dispute without receiving all the evidence from both sides? How is the evidence I provided enough to prove to the Dunwoody Police Department that I fulfilled my end of the contract but not enough for PayPal? PayPal claims to facilitate transactions between "buyers" and "sellers" and claims protection for both, so where is the "seller" protection? Where is my protection? Where is my money?

On 9/8/11, same as others I see here, PayPal had a $500 per month withdrawal 'limit' on my account. I sold an item for a friend that was over that amount. I had to call PayPal and give them my SS# in order to get the limit raised. It was over labor day weekend so I had to wait until Wednesday for the money to move to my account. That same morning I received an email letter from PayPal stating all further deposits would be subject to a 21 day hold. I have a perfect eBay record. I closed the account, including deleting my bank account -- you can not delete a credit card account -- changed my address to a bogus one because I do not trust these thieves.

I sent a letter by return email stating I would file a complaint and that I would never do business through them again. It was not 'deliverable'. Also, I received a notice that my billing account with eHarmony was closed. I only used that service one time eight years ago. Now I have to review my bank records and find out if eHarmony is in cahoots with PayPal. This is an obvious ploy to get interest for 21 days on money they have no right to. And they say that I should still ship an item while they hold the money -- why would anyone do that? I plan to notify every person I know and through every social media of their fraudulent behavior. I'm still worried they will try to hit my bank account for something not owed to them. I also told my customer the shipping delay was due to PayPal's illegal actions.

All of a sudden, Paypal decided to put my payments on hold for 21 days despite my account with eBay and PayPal being 100% in good standing. As a result, there was a serious delay in my business operation to pay vendors, etc.

I sent a brand new cell phone to an address from a buyer on PayPal but it was a fake buyer and I don't know where my cell phone is! I really need help! I got scammed! I was supposed to get $320 for the phone but the fake buyer has been stalling and making up excuses about the payments. I really need that money.

PayPal is blackmailing me for my Social Security number by holding $700 in my account. Either I give them my number or they continue to keep my money. Without sufficient notice or 30-day allowance, PayPal changed the terms and agreement I had with them prior to them holding my money. It is not legal to demand a Social Security number for any service, let alone hold money hostage today when the rules were different yesterday.

My understanding is that there needs to be notice on the change of terms before any consequences are carried out for no response. I have called them for almost two weeks every day. Their compliance department will not call me back, yet I have received another letter today demanding my Social Security number. Contractual law, based on my understanding, says that I would have to agree to the change of terms and have a chance to opt out of the service before I am given consequences.

On PayPal, I am not a seller; I am a landlord and I use PayPal to collect personal payments for exactly what they are, intermediary. In my understanding of the tax law, PayPal is not accountable to produce any tax documents to the IRS for me. I am not a foreign entity. I am already confirmed by my bank and my personal payment transactions are exempt from IRS law.

Additionally, because the tenant's bank and my bank send and receive the money, by IRS law, I am confirmed. PayPal does not need to get my Social Security number because I am a known customer. The money in my account came from personal payments" and not from sales. Not only does the IRS recognize this, PayPal also recognizes this and has verified me by its own rules. My payments are personal and not revenue; thus, not requiring my Social Security number.

This is 100 percent illegal and I believe that it's time to put a limit on PayPal on when they have the right to hold money. In the United States of America, only the IRS has the right to seize accounts and assets. Class action lawsuit is the only way to get a message out.

I signed up for Virtual Terminal in April so I could accept credit cards from my clients. Before signing up, I went through the policy, which never mentioned anything about them holding 30% of all my transactions as a "Rolling Reserve". After reading about rolling reserves, their explanation was that it was there to protect my account from over drafts. So I decided to continue using the service.

On Saturday, I closed my virtual terminal as my husband has become ill and will not be able to work for quite some time. I assumed that the reserve would become available on the next business day. So I transferred the available balance. On Monday I called customer support, who informed me they could not release the funds that they would be released 90 days from the transaction date. I asked to speak with a supervisor, Matthew, who told me the same thing. Well I didn't sign up for a 3 month CD and this is my money, so since the account had be closed the money should be released, I told him. To which he replied that it is their policy. I read the policy, nowhere does it say this. I'm not sure why they need to hold my lousy $137.64 but I do know I could use it to buy food today.

I sold an item on eBay and received payment from the buyer through Paypal. Immediately after paying for the item, the buyer tried to negotiate a lower price for the item (A brand new still shrink wrapped sealed iPAD2). This communication went through eBay messaging. After stating to the buyer that he already purchased the item and paid for it, I would not lower the price of the item and that I did not force him to buy it. He then kept messaging me and complaining about my no returns accepted policy that was listed in the auction. I explained that the item was new and still sealed in the box and that the item carried a warranty from Apple if there would be any issues with the item. I decided to add insurance at my cost due to the buyer acting really strange. I shipped the item with insurance and signature confirmation per eBay/Paypal seller protection policy. Before even receiving the item the buyer started questioning if the item was defective would I take it back. It seemed as though the buyer was determined one way or another to get out of the sale and get his money back.

Well big surprise when he received it, he claimed that it was not as described/defective and even internally damaged. He said that it was not damaged in shipping. I referred him to Apple technical support. All of this is being done through eBay messaging. He claims that the item is registered to someone else and that I have to return it. After he filed a complaint with Paypal, they instructed him to return it to me. Well I got it back and the packaging took a little bit of a beating. Not to my surprise, the item connected to iTunes and worked perfectly. He claimed that trying to play videos or music made the item turn off. I called Paypal and they instructed me to take it to Apple and get them to certify that the item is not defective. Actually Apple not only gave me a service report showing the item was in perfect condition, they also said that it was never registered to anyone and that they never had a service call on that item before.

So my view is that I listed a brand new iPad2 that the seller decided he did not want after purchasing. He lied as proven by Apple and was allowed to return an item that was sold with no returns accepted in the specifics of the sale. They refunded him his money. Now I am stuck with an item that is not in its original condition in a banged up box. It is commented on eBay that this item is defective and Paypal tells me that I should just list it as brand new and sell it again. A couple of the representatives that I talked with said that Paypal may reimburse me the difference if it sells for less. I delivered that I was to and the buyer lied (proven) and I am the one to suffer? Paypal said that the only way that they would rule in my favor is if the buyer outright says that he lied. I have written proof of it! I do not understand why the buyer gets a refund and that I was not given the opportunity to get the problem resolved or have the item replaced if it was defective.

I now no longer have a brand new item that is sealed from the manufacturer. I paid listing and sales fees to eBay and Paypal. I also paid out shipping fees of around $20 which I am not reimbursed for. I have spent hours getting the proof that Paypal required from Apple and they did not even use the proof to make a judgement that the buyer lied. I have all the communications and written proof of my claim.

I sold five vintage Zippo lighters to a buyer in Italy last month. I did not purchase a tracking number and the buyer said he never received them. There was no way to confirm he got them, so PayPal refunded his money. All we could prove was that the package was tendered to USPS. We were out $150.00 sale for the lighters and we are out of the lighters.

We tried to work on this with Paypal, but they said that Italy's customs was notorious for losing items, so there wasn't anything they could do. We thought that was it, until Paypal started to freeze our money for 21 days. We called them numerous times, explaining what happened but they continue to hold our money. We are at the point where we can no longer sell items and use Paypal. We have to front the shipping cost for 21 days. We list approximately 20-25 items, so this could turn out to be more than we can afford. The buyer pays shipping charges so that their items can be shipped out.

Paypal has no right to hold the shipping money the buyer pays. They do not refund the shipping charges when a buyer wants a refund. After selling on several auction sites for seven years, with a near perfect record and feedback, we are being treated like criminals due to a dishonest person in Italy. Makes no sense!

We are going to discontinue selling on Ebay, due to the fact that Ebay makes us use Paypal. We cannot accept money orders or personal checks on Ebay. This is going to cause a loss of revenue for us.

I recently sold a camera on eBay for 1,542. The customer was not happy with the purchase and wanted a refund. He contacted PayPal and PayPal took the money out of my PayPal account and refunded the customer.

They took the money from my PayPal account without my consent. I actually had no problem with that. The problem is, they are trying to retrieve the money from me that they have already taken from me.

I sold an item through PayPal and never received payment. Amount of the item (rings) was 950 Canadian dollars. I have been in touch with PayPal and they told me too bad I was scammed by fraudulent emails and I have no recourse. So much for seller protection.

I will never deal with PayPal again!

PayPal placed a hold of 21 days on all of my funds from my eBay sales, stating the reason as I had little activity on my account. Now that I started selling items again and have had an increase in activity, I was put into a "high-risk" category.

I called customer service twice to explain that I have no income. I am currently unemployed and that I need the money from the sales to ship the item. I was told that once I ship the item, the money would be released three days after it arrives, and I receive positive feedback. They also told me that if I use the print shipping label option, the money for postage would be available.

This was the first time I called, so I tried that. I printed a shipping label for one transaction, which the money came out of my checking and not my PayPal, and released the cost of shipping the item from the money on hold. When I tried to purchase the second shipping label, it said insufficient fund. So I called customer service again and was told that I have to purchase the label before they can release the funds. I can't do this with no funds available.

Now my checking has $1.34 in it and I can't do anything! I have no way to purchase the second shipping label until the funds are released! I asked if they could just release $13.25 for the cost of shipping the item, and they said no. I told them the last person I spoke to told me that it releases for the cost of shipping and he said they lied. I asked for a supervisor and he said they can't do anything for me.

What good is this? So now I am most likely going to get a negative on my item, as I have to ship it to Australia but I can't! Something needs to be done to correct this issue...and soon!

I sold five, sealed IPhone4 through Paypal to this person and he received the items by USPS (with a tracking number). After he received the items and checked the serial number he told me that he was happy with the items.The only proof I have that he was satisfied with the phones was the text messages he sent me after they were received. After a few days he opened a dispute against me through Paypal and lied to his credit card company that the phones were no good. Paypal and his credit card company put his money back into his credit card account and left me with a negative balance in my Paypal account. I am now left with a $2,000 negative balance in Paypal and without the five IPhones I shipped to him. I have made several complaints to Paypal and explained the situation and as of today they didn't try to help the situation. They have put me through their collection department and have failed to help me as their customer even after I have provided the proof that I am not at fault and have been completely honest to the person I sold the phones to. I will never use Paypal again. They are the worst site and they have the most unprofessional people I have talked to.

I sold 3 shure wireless microphones to a guy in France (Maurice Porreye), the customs tracking form indicated that the item arrived and was delivered, the guy claimed that he didn't receive it and paypal took $875 from my account. The guy totally screwed me up. Paypal always goes in favor of the buyer no matter what, but never for the seller... the reason paypal gave me was that customs forms tracking are not reliable since it doesn't track every step on the process and I should ship in a way which every step can be track and with signature, thats why I use now DHL for overseas.

Another time I sold 5 sony bluray players to Andrew Hamilton in Australia and ship USPS Express International insured with signature...(just how paypal requires) the weight of the package was 18 lbs. which was the 5 bluray plus packing material, I took pictures of the items inside the package and after I sealed the package (I always do that in case of claims and for insurance) The guy claimed he only received 1 bluray and want the rest of his money back (he was intentionally lying) So after I showed all the proof to paypal including pictures and facts like 1 bluray weights about 2.5 lbs with packaging will be about 3 lbs...but the package weighted 18 lbs with 5 blurays not 1???

Paypal again favor the buyer, it got me so irritated... Later i learned that the same buyer registered all 5 blurays for extended warranty on sony's website (i was following this with a contact I have in Sony's fraud department and he alerted me), so I called paypal and show them proof of the serial numbers I sold to this buyer and the serials that were registered by the buyer who claimed about 20 days before that he received only 1 bluray.... His name and foreing address in Australia matched his paypal address and the address on the extended warranty registration for the 5 bluray players... You know what paypal did?? NOTHING! They told me that the case was closed and there was nothing else to do... Honestly I just use paypal for Ebay transactions because is the only way... but i rather use something else for other deals.

I recently opened an eBay account. PayPal is the company they pretty much suggest that you use to accept payments. As of today, I have sold over $700.00 worth of merchandise. These are sales ranging from $30 to $50. So, I have sold a good amount of items. After a customer pays, I pack the items and provide eBay - PayPal with the tracking info. I tried to withdraw the money into my account that I have linked to PayPal. A message on PayPal read I could only access $33.56. I called PayPal right away. How can they do this? They have my bank account and a credit card for security, just in case a seller does not follow through on a sale. The reply I received was because I was a new seller. They had to hold my funds until the merchandise was delivered and the tracking number showed that. I went over 6 transactions with the person from PayPal that I had tracked myself and the USPS had stated delivery. PayPal claims that info was not in their system as of yet. When it does show up in their system, it takes 3 business days for me to receive my funds.

Well, it is now 4 business days. I keep selling merchandise and it is getting delivered. I'm checking the tracking info myself. I still have the same $33 in change available for me to withdraw. When I was on the phone with PayPal, I asked if I will also receive the interest that my money has earned. "No," the rep stated. "Well, who does?" I asked. There was just silence. They did not know. This is legalized robbery. When you become a member of eBay, there are really no other payment options other than credit cards. They have even put limits on what you can accept money orders for. Not for what I am selling. I don't know what to do. I have bills to pay. I even purchased something on eBay and I can't pay for it. So, the seller opened a nonpayment case against me.

After viewing several consumer complaint websites, I am fully convinced that PayPal is conducting business that is criminal in nature by "holding" people's funds for varying amounts for various, bogus and at times undisclosed reasons. I sent a $900 payment to an individual for some merchandise via PayPal. The money was transferred from my bank account that same day, through PayPal and to the individual. The seller realized that the item I ordered was out of stock and called me to inform me that he had revived my payment and was sending me a refund via PayPal immediately.

I went to check my PayPal account several hours and it showed the payment and refund as complete, but My $900 was not reflected in my PayPal balance nor my bank account balance. I waited until the next business day to give it some time to clear and still had no refund in either account. When I called PayPal customer service, I was told it would take 3-5 business day for the refund to show up in my account.

Why??? (1) I sent CASH from my account to his and he sent that same CASH back. Since when does CASH need time to clear? (2) I have yet to see an any disclosure that it takes 3-5 business days to process a refund. Very, very unethical if not totally illegal. Three customer service people (one posing as a supervisor, none that spoke english well enough to keep me from constant saying "huh? could you repeat that?") regurgitated the same canned responses that all skirted the issue of crediting my account immediately. This company is getting away with holding other people's money for indefinite periods of time for their own gain.

I have been a paypal customer for over a year now. Recently I have applied for and been approved and issued a paypal debit card. As per the user agreement and terms of use, I am able to make purchases both online and at any retailer where MasterCard is accepted. The card may also be used to withdraw funds from my paypal account using any ATM as long as I use my 4 digit security pin and accept any associated withdrawal fees. As per paypal, I can add funds to my prepaid card in two ways which is either a transfer from my associated and linked bank account or via Green dot MoneyPak, which is a separate entity.

On July 20th, my mother, in Michigan, had purchased a MoneyPak card to set funds owed to me deposited directly into my paypal account. I later that day had withdrawn a part of those funds after doing a little grocery shopping using my paypal debit card. (First time ever withdrawing funds)

Later that evening, I received an email stating that my paypal account has been shut down and closed and funds released due to improper usage of the Green dot MoneyPak. I then called paypal to inquire further in which I was told by the representative that no further details were available and to call back later. I called back the next day, July 22nd, and spoke to yet another representative who basically told me that I violated federal laws with the use of MoneyPak and that I cannot load money using the MoneyPak to my paypal card then withdraw it. After careful review of all of paypal user agreements and terms of use and service of the account and the debit card, I could find nothing that states that I cannot withdraw funds that were deposited via MoneyPak. In fact, it clearly states in their policies and user agreements that I can withdraw funds from my debit card at any ATM using my PIN number and agreeing to any associated fees in doing so. Nothing is mentioned about the MoneyPak terms.

I then called back to paypal customer service to bring this to their attention where, once again, the representative informed me that I violated their terms of use of the moneypak. I asked the representative to refer me to the section in their policy on their website that states that and he could not find it. He also said that it is stated clearly at the back of the Green dot MoneyPak card. I just so happened had a Green dot MoneyPak card that I purchased a few weeks earlier on hand and read the back and informed him that it says nothing about withdrawing funds being a violation of terms. I also read him back exactly what the card states. He was speechless! I was then informed to contact the compliance department who's only means of contact is through email as they do not have a direct phone number? So I did, I just explained my case and the unfair and misleading tactics they used that resulted in the closure of my account and also mentioned no prior knowledge of this such policy that is not stated anywhere in their legal agreement or terms of use. To date, the only response I got was a computer reply of the original computer generated message sent to me.

I called again today and spoke to another representative who basically told me the same thing about me violating the terms of use. I again asked where or what section of the terms of use I can find that as I read the terms of use thoroughly and I cannot find it. He then tells me it's in the Green dot MoneyPak's terms of use. I then proceed with him on the phone to go to the Green dot MoneyPak's website and look into their terms of use and find nothing in reference to what or where he says it clearly states in their terms of use. Before I can bring this to his attention, he then retracts his claim and said that it doesn't exactly say it but that I can't do that.

although it's not stated in the user agreement it is just! The call ended.

My point is how is this just and how is this legal? As per the advertisements and user agreement I was completely in the right and in compliance with the terms of use and the user agreement of both paypal and Green dot. and it was paypal who approved a debit card for my use and CLEARLY stated in their terms of use that cash may in fact be withdrawn from the debit card when available up to $400.00 per day.

Can someone please help me with this as I feel this is outrageous and unjust!

They have several class action lawsuits and are still being allowed to rob and steal from people.

However paypal unlike alot of other companies do not really care about thier older customers. I doubt they really care about customers at all.

We had been selling dolls on ebay and our business was doing ok, then some of the orders became delayed arriving from manufacturer to distributor. That set us back alot. And we had to do some refunds before those items arrived. That I understand and is not my complaint.. the following IS

What made it bad was when one day they decided we had multiple accounts. This happened right about as all the dolls were coming into the supplier and we would finally be able to get the dolls to our buyers.

mean while I had managed to sell a few of my personal belongings on ebay to help pay for things.. And I mistakenly told someone at paypal on the phone that I had done so.. the records they had showed the account in negative.. until they saw I sold something for $200.. Well within the next two hours no one could pay for anything on auction that we were selling to pay for refunds or incoming dolls.. And the money that had gone in there? Close to $480? Paypal had held..

they said they needed more info send them more faxes.. so we sent the articles of operation for the business.. the license for the state of florida.

never heard anything back.. I finally got an idea to have my husband call since it was his account they had linked..

when he called they said they still had it down as multiple accounts OR that the business was seen as a risk so they had actually shut the accounts down back on the 24th of June.. So the whole time we were playing the fax game it was for nothing..

Paypal then told me that I could contact Australia post and if I could get written proof from them that the item was delivered that I would get my money back.. I got the documentation sent to me, and faxed it off to paypal, and now they are telling me that the documentation proving the item was delivered isnt good enough..

Paypal policy of holding funds from sales made thru ebay , they hold the funds for 21 days, even after the item has been shipped, i do not give credit to customers and paypal has essentially forced the issue, they hold our money. This should be outlawed, i sell a car for 4000.00 and am forced to ship then wait 21 days to see my money while the buyers drives my car, and paypal plays with the funds, this is an outrage, this should be outlawed,

How does paypal get away with holding money they aren't entitled to? It's bad enough that by the time we pay ebay and paypal their "fees" we end up with nothing. They then hold our money that we are entitled to and expect us to ship our packages out using OUR OWN MONEY. They are holding my account now, and stole the money from my last sale, claiming they didn't get their ebay fees from the last month when my bank records show a withdrawal. In addition, I have a negative balance that' can't be explained because they got the money. I should have a small balance. In the meantime, I have 3 packages to ship for THEIR BUYERS and can't access my funds. I don't sell on ebay to have my money on hold, and inaccessible so that I have to use my OWN MONEY to ship these items with no sight of when I get my money.

I had transferred my money to my bank account and they stopped the transfer and really expect that I will ship these items with no means to pay for the postage. Oh well. They are wrong. I am not putty in Paypal's hands and their buyers will not get their packages if I can't access my money. What's worse is that one buyer has a claim open for non-receipt and they won't even resolve this so they can get the shipment. If I don't get paid, I don't send out free merchandise. Ebay and Paypal think they are so great that everyone needs them and will put up with this shi*t. I was simply trying to get rid of some old items that I don't need and am primarily a buyer, not a seller. I have practically given my items away because of the enormous fees. I certainly am not now, losing my pidly sale money because they want to put it on hold for some indefinite amount or steal from me rather is what they did by claiming they weren't paid when they were.

Sellers have no rights with ebay or paypal with all this "buyer protection." A buyer can say anything and get their money back even if they receive the merchandise. No seller is going to risk NOT BEING PAID AND ALSO being subject to refunding money as a result of paypal's f&cked up antics. They aren't even polices..I got NO WARNING OR MESSAGE about any negative balance and I also got NO indication of any overdraw they are claiming occurred which didn't because I have evidence that they were paid. They screw people over to sit on money for interest, and it is TOTAL CRAP. I would join any class action against paypal. I now will lose my ebay account over this and I simply don't care anymore. When they do this to sellers, they lose money. They also lose buyers. They are totally wrong. PLEASE SUE THESE PEOPLE SOMEONE.

PayPal refund my money back to the buyer even after the sold item which is a gift was used. And they told me the charge are not reimbursement. I had follow their protection policy ,but they still don't protect me as the seller

I had been selling items on eBay and accepting payments through PayPal for over 4 months. All of a sudden, they said that the CC on file was expired and to update it a.s.a.p. Since this was my business of course, I updated the CC right away. A day later, I logged in and found out that they put a limitation on my account. They were saying that in order to re-store the account, I just needed to verify some information.

They wanted 5 tracking numbers of the last products that I had sold (I gave them tracking number for all of my 150 sales). Then, they wanted to verify my address with a utility bill, and I sent that in. They wanted invoices, receipts, and proof of supplier. I was told during all this process, which took 3 days of stress, and while my purchases funds where on hold as well as my business, that once I gave them all this information, my account would be restored. The next day, they tell me that I am a security risk and they have decided to part ways and my account would be closed! I was furious!

Not only were there a lot of funds in my account from my buyers but also from my profit money. They said I would not be able to withdraw the funds for 180 days and did not know how I would do that once that time period was met. I am furious and have read that this has happened to so many of us who depend on this money to eat and feed our family. This money is essential for us to live. This was not just an extra $500 or $5,000 lying around somewhere. I, for one, am not going to let them do this to me, and whoever wants to join me when I file a class action lawsuit against them, let me know!

In January 2011, PayPal suddenly and without notice held all the funds in my account (about $20k). They demanded proprietary and confidential documents, bank statements, etc. saying they are my business partner. They were my credit card processor. Under duress, I released some of the documents withholding the ones with my customers personal information. They released about half the funds. I have never had a dispute or complaint.

According to terms of use, they can hold your money if there is a dispute but I have never had any. The rest of the funds were to be released yesterday, May 9. When they were not released, I contacted PayPal customer service and they released some money but are still holding around $2300 for collateral. Collateral for what? Not sure as I no longer use the account. I'd like to close the account, but they will not close an account with a reserve. I asked to speak to the supervisor of the risk manager that did this to me. After speaking to several people, they gave me the address to PayPal legal department. Apparently there is no appeal mechanism or any supervisors in PayPal.

PayPal's holding this money has caused a significant burden to my business. I had to personally work excessively to the point of illness and exhaustion in order to make up for that money. I had to quit using employees for the work. I potentially lost customers because I was sometimes late with services, because I was so busy and then ill. What they are holding is roughly equivalent to my house payment which I will not be able to make. I have reported the problem to my state senators, the SEC, FTC and the CA and CO attorney generals. No help so far.

I was selling items on ebay and the buyers were paying me using a service called PayPal. On 2/25/11, PayPal limited my account. This meant that I could not access the money I had in my Paypal account. They said that my account would stay limited until I provided tracking numbers for 5 buyers whom they chose at random. They said after I provided the information they would immediately remove the limitation. I provided tracking number for not only the 5 buyers they chose at random but for all 100+ buyers. They then said that they were permanently limiting my account. They have my checking account information on the account and refused to let me close the account.

I have tried to appeal their decision to limit my account, but all I keep receiving is a response that my appeal was denied and to not respond to the email because no one checks that email address. I have called several times trying to find out exactly why they will not remove the limitation from my account and keep getting the same canned response. This had become extremely frustrating. They said that they are going to hold my money for 180 days without interest. They are doing this to hundreds of thousands of their customers. They are holding our money without cause and using our money to make money.

PayPal limited my account for no reason at all. The claim that was given was that they want to check with me to make sure that no one has logged into my account without my permission. This check is unnecessary as it is clear that I am the only one who have access to my account and always have.

My account has been low usage and still is. Besides rather high activity in March and now in April due to donations. After the account has been restored and my funds transferred to my credit card, I am going to close it. The account was restored as I did write this complaint but that in itself might not prevent this from happening again.

I could have lost money if the account had not been restored from its limited state.

I had Sports Tickets auctioned on EBay. Buyer bid and won tickets. Buyer contacted me saying" payment made using PayPal" and requested delivery of tickets. Paypal verified the authorized payment.Tickets were sent and Buyer acknowledged receipt. Later Buyer disputed payment made via personal credit card on PayPal as "unauthorized". PayPal claimed to arbitrate on my behalf. I was informed that the decision went in favor of the Buyer. I was not properly represented. (PayPal Dispute *****)

I sold items on ebay in Jan and Feb. These items were shipped (confirmed) and I received the necessary "feedback" from buyers verifying that purchase, receipt of merchandise and payment by them to PayPal to my account. I have attempted for weeks to get my money from PayPal to no avail. Not only can I not get my money, the employees that work in customer service don't know any more about why money isn't paid than I do. It's only a total of $377. Not a lot of money unless you're like me and living on a fixed income and really need it. I have paid fees to ebay for listing, money to PayPal for handling the transactions and money for shipping of the products. I know they are a large corporation and I'm small potato but I've reached a point where I see no alternative but to ask someone for help or go to the courts for satisfaction. Can you shed any light on the possibility of this working favorably for me in obtaining my money?

I have sold for years on eBay and Paypal was a major payment processor. My eBay record is exemplary but suddenly due to my account being high risk, I was given thirty days notice that there would be up to a 21 day hold on payments. A payment was made to me that day and held! The first business day later, I cleaned out their ears a bit, defended my performance, and my account was quickly cleared of any hold actions.

That was a proper response. My thought: who do they think they are to cause such stress and waste of time to people who use their service in an honorable manner? Is that what they think they are due as a result of my agreeing to pay them 50% more for processing payments than my regular merchant account?

This pseudo-bank owned by eBay charges egregiously high fees. I sold an item on eBay for a total of $71.77 including shipping. The buyer paid PayPal with an "eCheck". PayPal charged $2.38 or 3.3%, for this. PayPal took no risk whatsoever. They cautioned me not to ship until they confirmed the eCheck had cleared.

Kent was planning on buying my car but he resides in the U.K. A lot of things aren't adding up the way they should. I already gave him $500 to pay for the courier expenses. But he is trying to get more money from me to pay for the insurance, claiming that he will pay me back through PayPal and that the money is on hold until I send the insurance money to him. Most of the contact has been through email so I can provide those details to you. I believe the PayPal emails he was sending me are fake as they have many grammatical errors, similar to the ones he makes when emailing me.

My account (**@vazgsm.net) was blocked due to stupid rules and the lack of people to solve the question. I had a dispute, and money was returned to sender. My balance was negative. All funding in my account were always by credit card, but they don't take it to solve the negative pending.

I sent 9 emails, but none replied; I tried to call at least 5 times (Brazilian and US numbers), and no one knew nothing, and they can't do anything. Support tickets are always answered the same default useless answer; no one even read what's inside it. I mean, how can someone contact a large company so many times, trying to pay, and that company simply doesn't care. It's the worse customer support I have ever seen. It seemed that no one works, because everyone knew nothing about anything. And so, nothing got even discussed.

PayPal has installed a policy where money due me from sales completed on Ebay are held for up to 21 days. I am not alone in this fight against PayPal. PayPal said that they need this hold in case the buyer has a complaint or needs a refund. This is ridiculous as I was required to provide a checking account number and credit card number for backup funding. Backup funding is put into use if the balance of the PayPal account is less than the dollars needed to satisfy a customer's needs. I pay PayPal and Ebay seller's fees separate with automatic withdrawal.

I am retired and in order to process the sale and deliver the package to the customer, I must pay postage; I need the money from the sale to do this. Otherwise, as of right now, I am having to pay shipping postage out of my pocket.

Currently, I have paid over $100 just for shipping of three items. I needed money to use and I am still waiting on from PayPal. I provided tracking as requested and communicated this information to the customer, as I have done for several years. I am not a casual seller. So, it is vital that this policy be eliminated so that I can afford to continue.

In closing, it is important to me to note that after funds are released, it is without interest. Thus, PayPal get free use of my money for up to 21 days.

As mentioned before, I am retired. Money is very tight. I sell on Ebay to help make ends meet but not getting the funds from my sales for up to 21 days and having to process the sale within two days, causes me to pay out of my pocket for shipping. Let alone getting the money due me from the Ebay sales to help pay my bills.

First issue - I made use of the eBay and PayPal selling system fairly regularly, about five years ago. Recently, I had something to sell, so I went to eBay and PayPal and made sure all of my information was updated in both accounts. I was told that my PayPal account was frozen. I wasn't surprised since it had been a while since I used it - not a problem. I went ahead and cleared this issue and sold my item on eBay. The buyer paid me via PayPal. No muss, no fuss, right?

When I went to transfer funds to my bank account (mind you, the same account that I've had since I first used eBay), I was told that again, my account had been frozen for security reasons (I have seen no one trying to hack into my account/no notifications from my bank). PayPal told me that they needed me to verify my address. They gave me a fax number where I could send a copy of my driver's license. Despite my attempts to fax yesterday and today, that number in India has been continuously busy. As I have gainful employment, I don't have 24 hours a day to spend on a fax machine, trying to send over 2 pages.

Second issue - Another item I had on eBay was sold. The high bidder never paid, never came through, nothing. Allegedly, this buyer had a score of 100%. I have been trying to lower that score to warn any potential sellers that this person is a complete flake. I can't do it.

I have been using PayPal.com services for a long time. Well, in the last 3 weeks, I have earned $2000 (not once), which have been sent to my PayPal account. After I got my first $1000 in the first week, I have been limited by PayPal and couldn't use my balance (I can only receive payments). In the second week, I've done all they were asking me for and verified my account. In the third week, I also got a big payment. Then, they just closed my PayPal account with more than $2000 in it!

I called customer support. They told me that PayPal decided to do this because I was sort of a threat. I asked for the reason. But he told me that he don't know because of security issues. So, I asked for his manager's number or someone I can talk to, who can help me or get more info about my payments so he could lift my account. But he refused to give me any other information. So, I asked what's about my money. He told me that in 180 days, I may receive a mail with details on how I can get my cash out of PayPal into my bank. I asked him how will I do that. He told me, "I don't know." That is how the call ended!

Now I don't know why my account was closed. Is it because of the high payments? I've got customers who can prove that they paid me for services. PayPal doesn't even want to hear my side of this. And this is my money. The support guy also mentioned that in this case, I cannot do anything because this kind of decision cannot be appealed. I have worked hard and earned my money honestly and I can prove it! Why do I deserve this?!

I won an auction and paid through Paypal. The seller revised the auction while I had the winning bid and made 9 other violations. When he returned my call, he requested $350 to pick up my item, which was already paid for. Then he refused to sell me the item even though I won the auction for $25 and returned my money. I resent the money which Paypal still has and filed a non-receipt complaint and was told that eventually I might get my $25 back. I entered a contract when I bid, the seller entered a contract when she posted, and I completed my contract when I paid. The seller does not null and void a contract by returning my money and has had the second payment for days now. I want the speakers I purchased or the funds to replace them. I have spent hours with eBay and Paypal with no success and arbitration was refused me even though it is in eBay's policies, which I agreed to when I signed up to sell and buy on eBay. Customer service refuses to place me in contact with a supervisor as my issue is not on the list of reasons to refer me to a supervisor. The seller has 5 negative feedbacks this month for the same reason and has a 94% seller rating, and I have 100% rating with twice the number of feedbacks.

I am a disabled veteran 100% and suffer from anxiety and panic disorder and OCD and have been going insane and over medicating to survive.

Being sent to collection agency again for charges made by somebody that they gave my account information to. I have spent well over 160 hours of my own time clearing my good name and credit history along with having to close my accounts and open new accounts (some of which I have had for 25+ years).

I opened a PayPal account to buy something online. I transferred $455 into my PayPal account from my checking account. When I purchased the item, I used a PayPal eCheck. And an error took the money out of my linked checking account rather than my PayPal account (and overdrew my checking account). I tried to transfer the $455 back to my checking account, but PayPal has now restricted my account. Even though I sent them a bank statement and a photo of my driver's license for proof of identity, they refuse to transfer my money back and do not respond to emails or phone calls.

I transferred $485 from my PayPal account into my checking account several days ago. PayPal listed the transaction as "pending" but today in my PayPal account it says it is "completed." However, the money has not shown up in my bank account. My bank told me to ask PayPal for the tracing number. They would not give me one, but gave me some ** story about the money going into my bank's "federal reserve" account where it can sit for days. I called my bank back and they informed me all transfers are posted to accounts within one hour and there is no record of PayPal transferring any money. PayPal has the correct account number because they deposited verification amounts of 3 and 17 cents (and it did not take days to do so).

Now I don't know where my money is and PayPal says they cannot give me the tracing number for 7 days. Originally, they tried to convince me that the transaction number was the tracing number, but when I wouldn't bite, then the customer service person said I couldn't have it for 7 days. PayPal insists the money is no longer with them, but my bank does not have it.

PayPal changed my primary paying method without my authorization and without a notice. They tried to charged my bank account instead of my credit card over and over and over. For each time, they tried to charge my bank account I had to pay $35 NSF charge because my bank account didn't have the funds.

When I informed them about the problem, they said there's nothing they can do about it because it's in the system and they can't modify anything in the system. So, the system kept trying to run it over and over and over again. Before I could deposit $13 into that account, they tried to charged it 7-8 times leaving me with $250+ NSF charges on my bank account. Their explanation was "We're sorry that's how the system works." I'd rather bury my money in the back yard and send checks in the mail than using PayPal again.

I had to pay $250+ overdraft charges on my bank account for an item that costs $13 because PayPal tried to charge my bank account over and over instead of my credit card.

PayPal has authorized Proactive Solutions to collect money for a product I did not purchase or received. I have contacted PayPal several times to stop any payments going through my PayPal account to Proactive. On 12/10/10, I spoke to a PayPal representative and he helped me deactivate Proactive Solutions from my PayPal account. He assured me that no payments would ever come through from Proactive again. PayPal has charged my checking account twice for $19.95, each time causing my checking account to be negative $71.95. Also, PayPal is charging me another $19.95 for unpaid funds. I would like to cancel my PayPal account and to be refunded $91.95 that PayPal has caused me in financial stress. PayPal is responsible for authorizing payments to Proactive since I contacted them several times and requested to cancel any payments. I have been unemployed. Now I'm depressed because of this matter.

PayPal has not responded to my two good-faith letters of 10-14-10 and 11-6-10. They have rather preferred to simply send me more bills with added interest and late charges.

The two good-faith letters were sent to PayPal immediately after they finally sent me two sets of written statements for the specific charges made on my PayPal card. I include the two good-faith letters here. On 7-19-10, three months before the two good-faith letters were sent, my husband, Dwight **, had issued an electronic withdrawal check to PayPal, in the amount of $87, immediately after receiving a phone call from PayPal stating that we were in arrears on the account.

I requested during that phone conversation that we be sent a written statement indicating the charges in arrears and that my card be cancelled. PayPal failed to send any written statement until three months later, on 10-13-10. PayPal' s first written statement sent since May, dated 10-13-10, indicated that there were two charges still owed by me for a total of $103.49 (see response of my first good-faith letter included here, dated 10-14-10, that included a check for payment of the amount I thought I owed on my account). On 11-6-10, I sent PayPal the second good-faith letter (also included here) immediately after finally receiving all the statements issued for my PayPal account #**. The last statement indicated charges pending between 5-7-10 and 6-8-10. This was the first time I had been sent a written statement concerning these charges. The only pending charges I was aware of were the two they had sent me notice of, for the first time, on 10-13-10.

My response in the letter of 11-6-10 represents my present position: I am in no way willing to pay for any interest charges or late fees accrued since May of this year, 2010. In a nutshell, PayPal wants me to pay, $301.68 in interest and late fees because they decided to switch me over to online statements and payments without my permission and without giving me any written notice or sending me any more written statements. Their latest unilateral move has been to change my account to PayPal Extras, transfer a new amount of $1,170.17 as purchases/debits, and to assign the account a new number of 5218 5310 1928 2103.

My husband, Dwight **, had been faithfully paying the entire amount of the balance on my PayPal account every month, without fail, from the beginning of my account until the last written statement payment he made on 5-14-10 in the amount of $449.42. If PayPal makes any claim of sending us written statements from that date until October 13 and November 6 of this year, it would be a false claim. Between July and November we have received numerous harassing phone calls from PayPal. After each one my husband would always say, "Send the written statement!"

My husband issued you an electronic withdrawal on 7/19/10 for: $87.00 (Reference #**) Balance: $16.49. We accept the above two mentioned transactions and include a check here for the $16.49 balance of our debt with you. If you have any more proof in the form of a statement listing a transaction summary of the charges for the Previous Balance in the amount of $927.78, which you claim exists, please send it to us through regular mail.

We will then be happy to consider it just as we have considered this statement you sent us yesterday and which is addressed in this letter. If not, we consider our debt with PayPal as paid in full. Also, I notified you at least three or four months ago by phone that I wanted to cancel my PayPal card. I destroyed the card then. Please make sure that this card and account have been cancelled. Thank you.

Congratulations for finally sending me a significant document concerning the charges I have been asking you to document in written form since June of this year! I include a copy of your significant document here and would ask you to calculate how much I really own you. Please take into consideration in that calculation my last letter to you, dated Oct. 14, 2010, a copy of which I also include here.

I am in no way willing to pay for any interest charges or late fees accrued since May of this year, 2010. That is because of PayPal' s complete irresponsibility in handling my account. I will not get into the more than fifty harassing phone calls I have been receiving from PayPal since May, nor concerning the details of PayPal' s incompetency.

Please return a written statement addressing the issue of how much you really think I owe you. Please do not include all the wasted twenty five pages I just received from you which were postmarked Oct. 28. 2010. One page, like the one included from you here should be enough. I appreciate your immediate attention in this matter as it appears that I may owe some money. Once again, please take into consideration my letter of Oct. 14, 2010 in your calculations. Thank you for your immediate attention to this matter.\

PayPal needs to be seriously sanctioned for their policies and for being the source of my ongoing frustration and low credit scores. Because of their inept handling of my account I have been unable to refinance my home and save $300 a month in lower interest payments. PayPal also claims that I owe them $301.68 fees and interest for the year of 2010. What can I do about these damages?

On Dec 10, 2010, as funds were being transferred from my PayPal account to my bank account, an automatic charge was also processed. PayPal did not take the money from the PayPal account, instead they charged the associated bank account. This action caused the bank account to go over and an overdraft fee of $32 was charged to my account.

After speaking to the bank representative, this overdraft charge was refunded. As it was clearly evident that PayPal had funds being held at the same time the automatic payment was being processed to my bank account. On Dec. 13, I immediately changed the primary bank account associated with PayPal for payments/deposits and made sure that the associated credit card was also active. On December 16, another overdraft charge was noted in the bank account. After speaking to two PayPal representatives, "their system" would not check for new account information nor use the backup credit card on the account but it would instead try to use the same account again. Doing so caused additional overdraft fees of $32, which PayPal refuses to reimburse me for. As of December 14, PayPal was still using the old bank account information for automatic payments as evidenced by a new charge of $4.95 and the second overdraft charge for a transaction that was later charged to my credit card.

I was trying to re-list something on eBay and I was not able to do it because I got a message that I need to get verified to my PayPal. When I called PayPal, they told me that the only way to get verified by PayPal was either to open a PayPal credit card or to add a checking or savings account to my PayPal account. I don't think it is legal to be asked to open a credit card or to be asked to link my personal banking accounts with Paypal. This is an abuse! I would really appreciate if you can investigate this matter.

I sold a camcorder to a person in California. I believe it was when I went to get transfer my money from the sell. PayPal said my account had been suspended. I have no clue why it was for $50.00 plus like $15.00 for shipping.

Pay Pall says what they will do to verify a bank account is deposit one penny into it. Instead, they withdraw a dollar as many times as they want to. Within the first 5 minutes of verifying' my account, they took a dollar 3 times. I have to shut my bank account down to stop them from stealing money.

I sold a used cellular phone on ebay.com. Mr. *** bought said item so I sent it to him. When Mr. *** received the item and tried to connect the phone, Verizon told him that the phone was stolen. This was my fault because I did not transfer the line to another phone when I sent the phone to him. So in return *** contacted PayPal.com and put out a dispute against me. He also contacted me through ebay.com and told me the situation. So I immediately contacted Verizon wireless and fixed the problem hopping that he would take back the dispute claim.

He never did take back the claim. Long story short, I gave him a refund for the cellular phone and he never gave me back my cell phone. He kept both the phone and the money and I don't think that is fair. He even had the audacity to leave me negative feedback on ebay.com saying that I sold him a stolen phone! PayPal.com doesn't help me because they said I didn't answer to the claim in the allotted time frame. Please help. I am very upset.

I wanted to buy a piece of software and decided to use PayPal. When I clicked to "pay", it refused to do so until I had added my credit card to the information. Why? I don't know! I had previously added my bank and having had a change of heart after hearing of information being "lost" online, I changed my bank. It seemed the easier thing to do.

At any rate, PP would not allow me to purchase the software without the addition of my credit card. I decided to not purchase the software, but rather withdraw my funds from PP. That is impossible to do unless you "confirm your address". To do so, you must add your credit card number. Why? I don't know! Since my address is listed on their site, both my box number which is the only way to reach me via the mail system, and my house number which is the only way to reach me via box delivery. Why this should be so at this late date is truly beyond me, but any of you brave souls who has been thinking of using PayPal, don't! Your money in your account will be held hostage unless you add your credit card or your bank account as collateral. Why? I don'tknow!

I woke up this morning to an email from Paypal informing me that $165 had been removed from my bank account and put on hold. A buyer on Ebay requested parcel post shipping to California. I mailed a copper roasting pan from New Jersey and after only 4 business days, Paypal allowed her to put the amount in dispute even though the USPS estimates 10 business days for delivery.

When I called Paypal, they told me that even though parcel post is traceable by the post office, it's not traceable online. I called the woman's post office in California who told me the package is at their sorting facility and probably won't be delivered until this Tuesday and the Paypal claim is scheduled to be closed on Monday if she hasn't received the package. I will never again accept Paypal and advise anyone else dealing with Ebay/Paypal to never accept Paypal if you don't want to be ripped off!

I do not have nor ever had any disputes with PayPal, I am customer since 1998.

I am a software developer who makes the living by selling his software online. Normally, I log in into my PayPal account twice a year just to withdraw my money. When I logged in on August 9th, 2010, there was a message from PayPal informing me that my credit card on file has expired September 2009. Immediately, I updated that information. Soon after that (few minutes later) I have received email from PayPal saying that my account became "limited" and I do not have right to withdraw funds.Their requirement to remove that limitation was for me to submit my photo ID and proof of address.

I am not willing to do that, because I do not see any valid reason for PayPal to request that information and I consider that invasion of my privacy. They do have my valid MasterCard account on file and they do have my Canadian bank account and the address (confirmed address). Beside that, I am long time PayPal customer with "confirmed address" status. On October 1st, PayPal tightened the screw and disabled my account completely.

I am a photographer/book publisher with an online business where I accept credit card payments through PayPal. PayPal stopped accepting payments on my account for "security" reasons without my authorization or notice. (They sent emails asking for my bank account# which appeared to be phony, so I did not respond to those). They did not call me when they stopped accepting payments for my services/product. I only learned of the problem when a motivated buyer contacted me and told me that my website was giving them, "We are not accepting payments for this product at this time."

Is this practice by PayPal legal? Customers should be entitled to personal (by phone) notification when holds are put on accounts. I have phone/fax/answering machine. I could easily have been notified and answered their "security" questions, which basically was a repeat of the information they already had (my bank account #) originally and a new password. They even had a charge on their "questions".

Update your credit card information and they charge your credit card for that. I would be happy if someone notified PayPal that these are not acceptable business practices. I asked that if they cut off accepting payments on my account in the future, if they would call me. I was told, "That is not our policy." Unfair and unethical. Plain and simple. The whole process seemed fishy to me. My account was immediately restored when I contacted them, but never should have been cut off in the first place.

Sometime in August 2000, I sold an item on eBay to a customer overseas. I blame myself for having used a shipping service that was not traceable, so I cannot verify if the person ever received it. I got one and only one email from the buyer about 1 week after I had sent it stating that they had not received the item and they feared the package lost. I sent numerous emails and physical snail mail in an attempt to ask if the client wanted a refund. I even sent them whatever paperwork the postal office had given me in an attempt to try to find the package.

I received zero response! Time passed, weeks went by, months passed and years passed, I was only ever left wondering, "What Happened?" The client had apparently filed a chargeback with their own bank - which of course, their bank is going to favor them. Paypal left the chargeback amount in my account, I never saw it! I was never informed of it! The account was closed some months afterwards and the email address used with it was abandoned.

I moved 4 times in the course of the ten years that followed! I get a call sometime in August 2010 from an outside collections agency. The woman on the phone is less than polite. She is irate with me and will not tell me what this collection is about other than to say "Paypal and Ebay, August 2000". In fact, this woman is so irate with me, that rather than answer my question as to whether this is real or fraud, she just threatens to file a mark on my credit report for it and say that I'm not paying it.

I then proceeded to call Paypal's customer service # directly. It takes me nearly an hour for me to even get a general idea of what this $120 chargeback is all about. Between being tossed around 4 or 5 representatives, and them claiming they need me to provide the phone # at the residence ten years ago, and/or the email address used, this was a freaking nightmare. I tore apart my entire filing cabinet just to find some itty bitty information to prove that I was me and not someone else!

It's not that I hadn't been willing to resolve the matter directly with the client! It's the fact that this took ten long years to resolve, and Paypal was less than helpful (although a bit better than the irate collections agency). I requested the Paypal representative who finally could resolve the issue to please send me a confirmation to my current address/email. Thus far, I have yet to receive it, and all my current inquiries of it go unanswered.

All I have is a charge on my current bank account, and no response from Paypal! I am keeping the statement that I have, but I have no faith whatsoever that Paypal has indeed closed the file on their end! I want solid proof of it, and until I do, I leave warning to anyone who uses Paypal to be extremely careful or not use them at all!

There also ought to be a "Statute of Limitations" as to how long something like this can go on for. Because ten years is a long time! A person can die during that time frame (you never know if someone is gonna be ran over by a car and dead the next day). Makes me wonder how many collections agencies are chasing dead people for money that cannot be recovered.

PayPal has informed me that they will now be holding any incoming funds I will receive as a seller on eBay, due to me filing a SNAD complaint as a buyer, after a seller sent me the wrong item. This was after I had already sent the item back to this seller, and used delivery confirmation to prove I had sent it back. The seller refused to refund me for my purchase. PayPal is penalizing me instead of the seller for some reason that I don't understand. Now if I sell anything on eBay, they are going to hold my money for an unspecified period of time. They will not even guarantee to free up any of the funds a buyer would pay to enable me to ship an item to a buyer, forcing me to use personal funds for shipping purposes.

PayPal froze my acct. claiming they required by law additional info including a photocopy of my SS card. They also refused to accept all legal documentation of my new address, yes, I moved since opening the acct. I sincerely believe there is someone working for them, a well known and "trusted" co. who is stealing identities.

My son sold his PS2 game system to a person in Nigeria. The transaction went through PayPal. I was very skeptical but when PayPal sent me a e-mail stating they had the money and needed a tracking number to forward it into my account, I mailed off the package. I gave them the tracking number and was told I'd have the money in 24 hrs. It was not there. When I called them, I was told the money had never been placed into any account including theirs. I contacted the buyer and realized I was scammed. I blame PayPal since they informed me they already had the money. It seems PayPal's policy is somewhat different from what they're telling you in their emails to you. Don't use this disservice!

I have been going through a divorce where I have had to move and start my life over again. I joined eBay to sell some valuables that I had. I used PayPal to accept the funds so that I can pay my bills. Well, I have sold my items. The people have paid me for them. Now PayPal will not give me my money. They have put a limitation on my account. They told me I had to send them my license, my social security number, and a bill that I have from my residence. I did all three, sending it to them as they requested.

They told me they couldn't verify my identity and the third party that they use couldn't verify me. Well, what would they like from me, DNA? I am so tired of dealing with them. I have been doing this for weeks. I want my money. They have made my bank account negative, which I do not have the money to pay. I have spent countless hours wasting time arguing with them. I have totally gotten screwed out of my money and I want to fight back. I don't even care about the money anymore. It's about how they do their business and how they treat people. I have been robbed and I want to fight back.

I have had my PayPal account open for maybe 2 months, and I have had nothing but headaches. A lot of people have been targeting sellers, and they were saying that they did not receive merchandise that was sent, when it was. It seems sellers have very little rights on PayPal, and they make their own rules.

Recently, they put a freeze on my account, which has like $170 in it. I cannot access it, because a person put in a dispute and his given delivery date was not even here yet! I am very mad that PayPal is allowed to hold my money! Once this mess is cleared up with them, I am going to google to check it out. Now, I cannot pay for the things I have won on eBay from my PayPal account or use any of the over $100 in my account for business expenses.

I have been using PayPal to collect payment for a home business for 15 years now. I have never had a charge back. Suddenly, they send me this stupid and irresponsible email stating that they will be holding all payment in the future for up to 14 days or until I can submit proof the customer has received their product. I think this is ridiculous and bad business. I can't get anywhere with their customer service. I can't even understand them most of the time. I'm done with PayPal.

I have been on the receiving end of Paypal ripoffs as a buyer and seller. I urge everyone to do the following: When you buy online, use the contact us to request the seller provide an alternative to Paypal (like Google checkout) as you do not care to give them your business. Send a note to your email list asking your friends to do the same and quit using Paypal themselves and forward to their email list.

A simple call would clarify how it could be remedied. There is no way to contact anyone in the company at all now it seems. Poorly designed artificial intelligence machines force the customer to answer numerous questions having nothing to do with the issue and after two hours I simply have to hope it won't happen again.

Can food stores for instance have tell us to go to a computer terminal, fill out a bunch of forms, enter a booth and talk to a robot, frustrate us with hours of searching for contact numbers etc if we go in to ask about a product we are paying for? The small webstores generally have someone available to help and quite fast as well. The large corporations seem not to be in touch at all with the customers and if anyone is gotton hold of they say they can not do anything about making a system that is easy for customers as they are only customer service.

Didn't the government have a program about wasting persons time with burdensome forms etc? How to the giant corporations get away with wasting hours of customer time with artifical intel robots, forms, useless problems you may have and then no way to ask a person who could at least understand what the issue is?

FIRSTLY LET ME WARN PEOPLE THAT DEALING WITH BOTH EBAY AND PAYPAL (in both the USA and Australia) CAN BE A STRESSFUL EXPERIENCE AND ANYTHING BUT SMOOTH.

I started a new eBay account selling jewellery. I sold and mailed over 20 items in quick succession when PayPal imposed an account limitation without any prior warning or attempt to contact me with their concerns.

I spent 3 hours collecting, scanning and uploading identity documents requested by PayPal, when to my horror, I realized that eBay too had suspended my account.

Panic set in. I felt degraded and made to look like a criminal. I had no recourse, because there's no one to call - eBay do not want to deal with complaints.

Suddenly I received some e-mails from startled customers who were concerned about my suspension and were rightfully worried they might not receive their goods. I had to alleviate their concerns by explaining that all items were mailed by registered post.

In the past 2 weeks I have suffered anxiety and stress that have worn me down. I've undoubtedly suffered financial loss - I achieved good sales results in the first 10 days and had active bids on existing auctions that were suddenly and without warning canceled.

Not only that, I spent a decent amount of money on stock to meet those orders and expected ongoing future sales and invested countless hours on putting up many many listings for those items.

The terrible thing is that these are really good and popular products that people like. I had good positive e-mails from customers supporting me and saying they love their jewellery! So I have been deprived access to this market.

PayPal keeps holding funds on my account even though i have 100% feedback rating. They can't give me a reason, they just say it's policy. I need my money as I don't work.

As you will see from many ebayers using paypal, paypal is the safest way for payment when using ebay. It has coame to my attention 4 days ago that the policy has changed with payment. Once the action is finalized, the buyer pays for their item. Now the complaints are rolling in. Paypal puts a hold on you payment up to 21 days. They say that payment could be released sooner when the item reaches it buyer and leaves possitive feed back. Well after having almost 1000.00 dollars in PENDIND status, alot of us have limited fund to ship our items. and for some ebayers, its going to put them out of business. I think that this is uncalled for!! They get their fees that they charge, and now they hold our money that we have coming to us. Just think about how much interest money they will have after 21 days with the 1000s of people they are doing this too!!! I have 100% feed back score and no resolutions problems. What are these people thinking??? HELP!!!

I have two ebay accounts, i have a paypal premier account and a paypal business account, on february 12th my business paypal account was limited because of high risk security concerns, 9 days after my paypal premier accounts has been limited because of the same. They requested me documents as SSN, Driver licenses DOB, Proof of Name, Supplier Name, Business License, despite I sent all the documents except for the Business pro (because I dont have business) my both appeals were denied, on march I called paypal costumer service to know what is the reason my both paypal accounts has been limited, I was asked I should to downgrade one of both account from business/premier to personal, Inclusive I was requested to send a paypal bank account statement, I sent it via fax, however I was notified my both paypal accounts were shut down, and the worst of this my business account remained frozen with over $2,400 dollars and the premier account was frozen with $597.00 dollars for 180 days.

Then I was called by paypal when they could restore my money for 90 days, but Im not happy because my both paypal accounts are still shut down and I need my money back and a paypal account to buy and sell articles on ebay.com

Holding auction funds to me from a buyer for (up to) 21 days. FYI... I have 100% positive feedback on 84 transactions (2 of the 84 are from buyers this month (May 2010).

I sold a Louis Vuitton brand new bag with receipt to a Carmi ** in US military Japan supposedly in January 2010. She outbeat other non-scamming people to win and then she refused to pay the extra money for shipping and threatened to give me negative feedback if I didn't send the bag. I contacted eBay and they said, pay it and send it, so I did under poor judgment.

Carmi told me it would take 2 weeks to get the back so she put a hold on the funds so I could not take them out. She received the bag and said it was not new, which was totally untrue, and she wanted me to lower the price. I refused and told her to send it back. She started calling me names online so I let eBay know and she also refused to pay the shipping back to me. I waited 2 weeks for her to return the bag and still no bag. Paypal electronic system released the money because there was no delivery confirmation and I assumed she kept the bag and deposited the money in my account.

A few days later Paypal said they had delivery confirmation and issued a charge back even though they never contacted me regarding the bag . I don't have the bag and now they are wanting the money and don't care about the scam this woman has pulled on me. My story is exactly like the other complaints and they will not help. They just want their money. How can a buyer keep the merchandise and the money legally and no one help the little person getting taken advantage of. I have tried filing a complaint, filing a claim, letters, they just keep siding with the buyer and she now has my back and the money.

How is this allowed? Please help. Paypal is turning me over to collections for the full amount and I have no handbag. Not to mention having to change all of my account info with the bank.

During the last week of March, I sold a home audio system on eBay for $330 with payment handled via PayPal. The funds were received but on hold due to the amount which is standard procedure for PayPal. On March 26th, I took the item to my local UPS store where an employee packaged and shipped the system; the item was delivered on March 29th. PayPal released the funds to me on April 5th.

On April 11th, the woman who purchased the Bose opened a dispute on PayPal stating that it was damaged during shipment. The fact that this dispute was filed nearly two weeks after she had received the item disturbed me. I asked her for photographic proof; she said she "can't provide it." I then asked for her to return the system to me and, upon receipt, I would refund her for the amount she paid. Her response, "I will not return the Bose Wave. I want my refund first."

In the meantime, PayPal had taken it upon themselves to issue her a full refund without informing me. I called and received zero help from their customer service department. I was told time and again that, "We can't do anything in regard to this matter. A dispute was filed and we resolved it how we saw fit." I am livid to say the least. If proof was provided that the item was damaged, I would have happily refunded the buyer. She refused to provide proof, refused to ship the item back. PayPal went on her word alone and deducted $330 from my checking account.

PayPal has no seller protection despite their claims. I used their service for over five years without an issue but after this I will never do another transaction with them. They ought to be ashamed of themselves.

Back in November 2009, I sold my Blackberry Phone ($325 dollars) through PayPal. The buyer received the phone and then wanted to return it. He made a dispute with PayPal. PayPal then refunded him the money without speaking to me first and I never got my phone returned to me. I am now out of $325 and the Blackberry. This has been ongoing for a few months now and PayPal only say to me they are sorry, but there is nothing they can do. I have tried contacting the buyer who took my phone to get it returned but have gotten no responses. PayPal protected this buyer and I am left with nothing, no phone or my money. I have called PayPal numerous times to try and resolve this and it's gotten me nowhere.

It has left me no option but to contact Consumer Affairs and explain my situation. When something like this happens, the Seller should be protected. I have asked that they "Red Flag" his account but of course they cannot. I want to take action on this because it is extremely frustrating that little action has been taken. They were so quick to return his money from my account, but they aren't so quick or helpful trying to resolve this on my end. $325 is a lot in this economy and I would either like to be compensated back or have my phone returned. Thank you for your time and I hope Consumer Affairs is able to help me!

PayPal has a lack of seller protection that needs to be addressed. It is a shame that I had to pay for someone else damaging a product purchased from me because they had buyers remorse. Not only did the buyer send it back, the receiver he bought banged up PayPal credited him 11 days later without my say in what happened. Now I'm out $545 all because of PayPal. PayPal should be boycotted. Receiver was returned in a condition that it was not sent in.

PayPal is refusing to assist in a removal of personal information on my account. I entered business information that I changed my mind about shortly after hitting "submit" and there is no way to remove it from my end (only "Edit" via dropdowns and one item the form does not allow change to at all, birth date not remove. Supposedly, there is no way on their end to make any changes either, which is untrue and a ridiculous statement. It's a record in a database table. Even banks have ways of getting at Production data when necessary.

The associate insisted that the information isn't used anyway. So if this is true, it should be easily and readily available for removal. If the information truly isn't used but no one can get to it, then it is unmonitored data, a security hole in itself. Not to mention, what if my account was compromised and someone else entered different information? They would not be able to do anything about that kind of fraud?

I am concerned that should my account be compromised, or PayPal itself compromised, there is enough information there now that wasn't before that could allow a user to essentially become me. With family in Law Enforcement, I take my information and how it's used very seriously, I have a common name and have had my information compromised before thanks to careless individuals in the Health industry.

PayPal advertised that money could be sent to India, and the money can be received immediately. On December 29, I sent $200 to my brother which went directly to his PayPal account but not to his bank account so he could use the money. Later, I found out that they had problems with the Indian government and kept telling us that the matter would be resolved in 24-72 hours.

2 months later, that matter could not be resolved. The money was sitting with PayPal; $200 was reduced to $183.76, so the money could not be refunded too, as it was not the original amount of $200. Again, we were told that the balance amount of $16.20 would be added in a maximum time of 24 hours which was never done. Finally, we had to do a send money for which PayPal again charged a fee of $7.44. So the final amount, which I am hoping will be in my bank account, will be $175. So in the bargain, I lost $25, not to forget the time I had to take off from work to resolve this issue.

After contacting a PayPal Merchant two times and requesting that three pending purchases be canceled and being refused, I told the Merchant I would try and cancel the payment. I then went to the PayPal online Help service and determined that each of the pending transactions had transaction specific payment authorizations in my Pay List. I deleted all three of my payment authorizations to this PayPal Merchant and thought that I had eliminated the unwanted purchases, but I was wrong.

The next day PayPal took funds from my bank account to pay for one of these transactions that I had deleted the payment authorization. I then called PayPal and after a considerable wait, I was able to speak to a person who wasn't able to explain what had happened and placed me on hold and my call was disconnected. I called again and after some time was able to talk to a different agent that was very helpful. She told me that deleting those transaction specific authorizations would not stop the payment. I stated that I wanted the remaining two pending transactions stopped and she agreed to cancel those transactions, which she did and I thanked her.

I then filed a claim through PayPal that an unauthorized payment was made by PayPal from my account (they have a 100 percent guarantee that unauthorized payments will not be made). My claim was denied, stating that the payment made did not qualify. They also recommended that I could have deleted the Merchant payment authorization from my Pay List (which I had done, and did not prevent the payment).

I believe that PayPal is delinquent in not providing online information to their customers on how pending transactions can be canceled, and I believe that I am entitled to a refund for the one transaction that was completed after I had deleted my authorization for that payment.

They want you to call, but the first thing they want is your bank card number. I think this is fraud because you don't get a person but a recording asking where you bank. There is too much identity thief out there. I don't release my information.

In September, I had four unauthorized transactions from Anythony through Paypal. I immediately disputed it through my bank. The bank refunded me my money and after further investigation and proof for the so-called seller, the bank reversed the dispute on Jan 27th, and took $1,997.45 back out of my account. This resulted to my account going into negative balance.

After arguing with the bank, the bank can only give me a tracking number on his behalf, which when I called UPS, the tracking number does not exist and is invalid. After showing this proof to the bank and Paypal, they both refused to help me and said they will not dispute it a second time.

On 12/21/09, I sold a piece of coin jewelry on ebay. On 12/22/09, I received payment of $1,015 for the item through PayPal (a subsidiary of ebay). I sent the item to the buyer on 12/23/09 via the buyers FedEx account through overnight delivery with insurance and signature confirmation as required by PayPal for seller protection. The buyer put in a claim with PayPal for his money back after he says FedEx lost the item. PayPal ruled in the buyers favor and took $1,015 from my account and gave it back to the buyer. I faxed copies of the FedEx airbill as requested by PayPal on 1/16/10 and again on 1/23/10.

PayPal said they had lost the first fax I sent them. PayPal told me that even though I sent the package with signature confirmation, they could not verify any signature by the recipient. I told them that is an issue they have with FedEx, not with me as I sent the item meeting all of PayPal's requirements for seller protection. PayPal told me they don't care.

On 12/15/09, I received an email from Paypal saying: Hello **, your $120.00 funds are pending, please process this order. You received a payment from **. This money is being temporarily held in your pending balance. It will be held for up to 21 days. While it's being held, it won't be available for withdrawal. I was like, "what is this crap? eBay never told me I wouldn't have my money for Christmas!". I was unemployed then and I still don't have this money! On 1/3/09, Paypal told me I'd have access to my $120.00 when I get positive feedback from the buyer. So I asked him to leave positive feedback if he received his item. On 1/4/09, my buyer left positive feedback. My funds still aren't available!

On 1/5/09, I called Paypal directly to find out why the heck they would fail to contact me with these changes in my account practices and rules. The guy told me he would personally make sure the $120.00 was being transferred to my checking account and even sent me a confirmation email. On 1/26/09, I visited my bank today to see when my funds were deposited and they said nothing around $120.00 has been deposited. I just logged into my Paypal account and here's what I found: My funds are on hold since my home phone number hasn't been verified. Paypal can call me on my home phone to confirm my address but I got rid of my home phone years ago!

My cell phone has been in my name for 6 years but Paypal doesn't use cell phones to verify addresses! I've already received positive feedback from the guy! Now, I've got to give Paypal someone's phone number and make sure I'm at their house when they call. Paypal keeps customers in the dark just so they can hold on to other people's money!

I am a very infrequent eBay seller (few items here and there) and very frequent eBay Buyer (1 to 2 items per week) with 100% feedback, and out of nowhere, PayPal puts a 21-day hold on my funds and is now holding funds way beyond that time period (2 months) with absolutely no explanation or reason provided. I've emailed over 100 times and have received about 3 form letters. I called the CEO's "escalation office" and was connected to a voicemail box. Calls and emails have never been returned. How this scam has not been shut down by now is absolutely beyond me. This is awful.

I sold an item on eBay last 11/30/2009 and was paid for it through PayPal on the same day. The money paid by the buyer was held in my account for 21 days. I had to pay shipping out of my own pocket. A few days after I mailed the item, the buyer notified me that he had given me the wrong address and that it should return to me. The package never returned to me and since I had gotten insurance on it at the post office, I took my ticket to the post office to check on the package on 12/29/2009. The postal worker did an inquiry on the insurance ticket and printed out a copy stating that it had been delivered.

The buyer filed a dispute through PayPal that he had not received the item. I then escalated the claim so that PayPal could investigate the situation. I sent PayPal a copy of my USPS receipt, my insurance ticket, email from buyer stating he gave me the wrong address, and a copy of the inquiry from the post office showing that the package was delivered. I also sent a note asking about the shipping fees that I had to pay out of my pocket, but I never received an answer. PayPal ruled in the buyer's favor and refunded the money, including the shipping, to him out of my account. I do not know what they based their ruling on or what evidence the buyer provided.

1. Refuses to process Walmart, Fragrance.com, Ebay to promote BillMeLater program and rack-up interest fees. 2. Purposely in error placed "cannot not process" holds on account about, not enough funds, when there were, many more. 3. Refuses to accept Hunidu's do not care about Christmas so why help Americans with Chirtmas shopping. 4. Apologizing when they're reps are purposely causing more problems in holding up transactions. 5. Purposely holding funds and not returning to address on file.

I signed up with PayPal in the early 90's and have had my account ever since. I have had some recent account set backs that have lead me to close my account due to Paypal's errors, but now since December 7th they refuse to forward my account balance of $66 and fear they are conducting the most ruthless, fraudulent, banking arbitration gambit to me and the American public. I have no alternative but to expose them as I have done above .

I started selling Paypal Merchant links and have received no compensation because they are stealing ALL the traffic, clicks and new members and Paypal has decided to seized all my money.

I signed up with PayPal in the late 90's and have had my account ever since. I have had some recent financial set backs that have put my credit score and a low mark. I started selling items on eBay again and out of the blue PayPal limits my account and asks for financial information. I provide it and a week later they cut off my account and seized all my money.

I recieved an email today from Pay Pal regarding their new policy regarding ebay payments. There is now a automatic hols time 0f 21 days before funds become available. The reason they have given is, to make sure the paying customer is satified with their purchase. I get this...but at the same time, they have explained I have done nothing wrong and have no issues with my account. I also have a perfect rating and history with Ebay.

This is rediculous. It is basically now has become an escrow account. Pay Pal gets to hold your cash...gain interest, and the buyer has no penalty. I would rather do the old way of check in the mail ebay tranaction. I am told the hold would be less if the buyer leaves a posetive feedback rating. The only issue here is, is that buyers do not leave feedback as often as they used to. Maybe 1 in 10. Needless to say this is a very frustrating new policy. Pay Pal gains interest with the hold. Puts a restriction on the ebay merchant. A business person should have reasonable access to funds of items sold.

On 10/27/09, I sold a purse on Ebay. When the buyer received it on 11/08/09, She was not satisfied with it and emailed me for a refund, which I did not have a problem with a refund even though the auction stated "as is" and "no refunds", as I have done this in the past. As I was emailing her to tell her to return the item, I got an email from Paypal stating that there had been a complaint filed from the buyer.

I continued with my email to the buyer, then I got another email from paypal stating that the complaint had been escalated to a claim. I was still emailing the buyer when I got another email stating that it had been escalated to a chargeback. All of this happened within about 6 minutes. I emailed paypal and they told me that it would be investigated, but in the mean time I should send them $264.00 until the matter was settled. I did not do this because I was sure that the problem woud be resolved in my favor.

The complete process took a mere 19 days for their investigation to be completed. They ruled in the buyers favor, and refunded their money without waiting until my item was returned. Paypal has threatened me with collection reports and damaged to my credit. they have frozen my paypal account and call me on the phone every night, with threats. I have told paypal representatives that I have no problem paying the money back when I recieve my item back.

Paypal's own policy on this type of problem is for the buyer and seller to take up to 20 days, to try and work the problem out. Then paypal would take up to 10 days to try to work with the buyer and seller. Then Paypal would investigate and make a decision. If they ruled in the sellers favor, the matter would be closed. If they rule in the buyers favor, they would order the the buyer to return the merchandise and then the buyer would recieve their refund. All this could take 75 - 100 days according to paypal. After the process, either party would have a right to appeal.

In my case it only took 19 days for the process. I spoke with paypal and they informed me that the case was closed and that I could not appeal and I needed to send them the money. I then talked to Marty in claims and he told me to email the buyer and see if she was willing to return the item. I contacted the buyer and she informed me, That Paypal had instructed her to destroy the item, and she had cut the purse into shreds and threw it away.

I doubt that she actually destroyed this purse, because of the value of it. Paypal was too quick to return her money, before the item was returned to me, and if they ordered her to destroy the item, I think that they were totally out of order and I should not be responsible for anything at this point. If I don't pay this $264.00, it could result in damage to my credit, which I have A+ credit

I have been terminated from business using PayPal from a transaction that occured Sept. 25, 2009. This transaction was a transfer of funds from my son's PayPal account to mine. I was purchasing a music player for my son. PayPal has limited my account for this reason. My son has created a PayPal account using a gift credit card and was conducting legitimate internet sales for months. I was informed of the regulations after the transaction occured and have never seen any conditions listed in PayPal's terms. I have escalated the complaint to PayPal with no results. I would like the Attorney General and the FCC to know that PayPal disregards the safety and integrity to continue as a merchant. They have a system that can be frauded by anyone with a gift credit card. PayPal has permitted any underage client from transactions that are illegal in the USA. Please give this matter immediate attention due to the fraud involved by children.

Paypal has a ridiculous new policy that holds your money for 3 weeks while they "make sure your ebay customers are satisfied with the purchase". Can't wait to see how this one turns out! I'm closing that stupid account as soon as the three weeks are up...

About four years ago I opened a paypal account under a non-profit...a few months later paypal decided they needed to see the paper work to show it was a non-profit...until it was sent in they limited my acount. paypal limited my acount because they wanted to see IRS papers about the non-profits...I sent the paper work two times and they still did not lift the limit...first they would not let me take money from the acount...so my money was trapped and then they said I could take money from the acount but not add to it...I was so glad to be able to finally get my money so I took it all out and said to hell with this acount and paypal.

About 4 months I came across some items that I wamted to sell on the internet...so I opened up a paypal acount under the name -----...I always liked the name and I thought it would make a great business name. Of course, I added ma bank acount and was verified. After I sold my first item I was shocked to find out that I could not get my money for the item...the item had been shipped and delivered...but I had to wait for positive feedback or three weeks to be able to get my money...so i had to e-mail all of my buyers and ask them to leave me positive feedback so I could get my money...one of them did not leave any feedback (even though I asked her to) so I had to wait until paypal released it.

The first big ticket item I sold was for $2,000...so I made sure that the buyer knew he had to leave positive feedback ASAP so I could get my money and he did. A sale I made after that... that the buyer was very happy with left me positive feedback but I had to call paypal to get them to release the money...by this time I am just ready to close my account and sell another way. I go to my acount and try to transfer money to my checking acount and they tell me I can only transfer $84...because I have a $500 a month limit and that is all that's left for the month of September...then since all of my money is released I try to close the account and they tell me because of the $500 limit that they have put on my money...I can't close the acount because it would exceed the limit...since my acount had over $2,000 in it.

They tell me I can lift the limit if I give them my social security number so I try...but remember that other acount at the beginning I mentioned...it has my social attached tied to it so I can't use it...so i go to that account and fine out that it is still open but blocked! I try to close it but they won't let me close it because it was limited and I needed to send up some files(the same files I had sent up twice)to lift the limit so I can close it so I can get my money out of the other acount. I have been working on this since the 26 of October and still I CANNOT get my money...MY MONEY111 My items have been delivered to the customer and they are satisfied but I can't get my money. No bank I ever dealt with will not give you your money...paypal is out of control!!!

The problem here is not just that she filed a false claim, it is that Paypal awarded it with no evidence whatsoever from her to show that the boots were in a damaged condition when she received them. When you look at the feedback that Kirsten has left for others, it is evident that she makes a practice of buying from people on ebay and complaining to extract a refund. She has few feedback but clearly knows the system and knows how to exploit it to her advantage. IF she decides to return the boots after damaging them I will not only have damaged boots back, I will have to eat the cost for mailing them out to her. Paypal encourages this by siding with the buyer without question.

On Oct. 07, 2009 I sold an item on eBay, the other party paid and I immediately printed a shipping label. A few hours later PayPal closed my account and limited my access. I attempted to refund the money as PayPal is keeping the money the other party paid for 6 months they took the money from my checking account that bounced 3 other payments I had used my account to pay bills. So far PayPal has cost my personal account $365.67. The other party still doesn't have their item and PayPal has all the money.

I recently received an e-mail that says they are suspending my account indefinitely. With no chance of returning my account in good standing. I had never done anything to break their "RULES" I only sold a used item on eBay which closed my account as well because of PayPal's decision to close my account. $365.67 and two closed accounts - eBay and PayPal. I have lost my business due to this reckless decision PayPal has done to me as I am no longer able to make a living selling on eBay.

I am writing in regards to the unfair practice PayPal engages in and how they are falsely advertising their Seller Protection Policy to lure customers into joining their service.

Two months ago, I sold an iPhone 3G on eBay to the highest bidder, who happened to be in the United Kingdom. I was hesitant to follow through with the auction because what was written negatively on his feedback page and how low his positive percentage was. Having been an eBay and Paypal user of over ten years with over 300 positive feedback at a 100% score, I have usually been very careful with all my auctions and the way I conduct business on these two sites. In the last year alone, I have been scammed twice and I understand that PayPal customers are becoming easier targets because of the phishing scams out there that are sometimes hard to evade. As a long time user, after getting burned back in March, I made sure to read and re-read the new and updated PayPal policy and inform myself of what I needed to do, to the best of my understanding.

After I shipped my item, a few weeks passed and the buyer filed a dispute that he never received the item. I was asked by PayPal to provide the tracking number but I could not find it immediately. I had to figure out through the post office and the NYPD how to retrieve that and by the time I had PayPal already sided with the buyer despite my pointing out that I needed sometime and to also consider the years I've done business with PayPal and eBay coupled with my feedback vs. his. They closed the dispute and I was out approximately $400.00.

According to their policy, I should have been protected and I wasn't. What's the point of having said policy when they refuse to protect you when said protection is required?

I do not know what to do next, but I will exhaust all necessary means to get my money back and hopefully make a case out of this to warn other users that the Seller Protection Policy does not really protect you.

I received this e-mail today10/07/09, and it didn't sound legitimate so I am sending it to you. Could you please advise. Thank you

"Notification : Update Your Account Information/ From: PayPal/Information Regarding Your Account: We have noticed several attempts of fraud. Seems like a third party tried to access your account. You are able to log into your account but all your payments are suspended untill you verify your personal information. PayPal works day and night to help keep your identity safe. That's why it has come to our attention that your PayPal account information needs to be verified as part of our continuing commitment to protect your account and to reduce the instance of fraud on our website.

If you could take 5-10 minutes out of your online experience and verify your personal records you will not run into any future problems with the online service. Important Notice : Failure to confirm your full credit card & billing information within 72 hour's will result with your account suspension...."

I sold crystal stemware for $185 on ebay to a buyer in Hawaii. She complained that she didnt recv the merchandise after a couple weeks, and filed dispute with paypal. Paypal reversed the payment back to her out of my account. Meanwhile, I checked with Post office who said 30 days must go by before filing lost pkg form. (Ins was purchased) After 30 days...postmaster followed up and within a couple days determined the package had been delivered the day AFTER Paypal gave the buyer her $ back. She used the tracking number on the insurance receipt but had to make a call b/c the tracking # didnt pull anything up online. This discrepancy seems to be the biggest issue with Paypal. I faxed the USPS forms, stamped..etc showing when delivered, but b/c it wasnt posted online, Paypal wont accept it. The buyer in HI has both the merchandise and the money and Paypal will not do anything, saying they acted within their guidelines. Michael, the exec of escalations says " he believes that I sent the pkg and in a timely fashion, etc...so he is willing to give me $100.!! My question, then is why wouldnt he just give me the money back? Why offer $100? Paypal can arbitrarily take $ out of my account at any time and is not a safe trading place for the seller at all. They assist fraudulant activity at the very least.

I WAS a seller on ebay. First, PayPal closed my account with over $5000.00 in it and I had to refund each buyers purchase. Then ebay closed my account because PayPal had closed my account. My seller fees with ebay were over $300.00 which they made me pay, even though I canceled and refunded everyones purchase through PayPal.

I have tried to start again with ebay and PayPal three different times and only lost more money. I a 55 years old and trying to take care of my wife and four children and this is my only income.

I made a payment to seller for $62.94, the money left my acct and before it could reach the sellers acct, Paypal closed my acct and they will not let me have my money back. They have very unfair practices, I want my Paypal balance so I can put it back in my bank acct. They took my hard earned money and I want my money from them, and I want you to investigate these people.

This is all in accord with Paypal's user agreement. There were no legal procedings of any kind, but PayPal believes it can help itself to my money without due process of law. Even a bank can not take money out of my account to settle a debt without a legal proceding. Many companies remove consumer rights with their agreements. i.e. forcing any dispute into binding arbitration. Dell Computers goes even further - besides requiring binding arbitration you can not join a class action lawsuit or states attorney general's actions.

scammed out of a cd/dvd player through paypal-he didnt send the money and i need to stop shipment on this package

I am having a problem with Paypal. I sold a used Rolls Royce car key to a person in the United Kingdom for $300 plus shipping. It's been only 21 days since the key was shipped, and the buyer has sent me a few e-mails claiming he never received the key. I told the buyer it takes time to ship items from the US to the UK, but he didn't want to hear it. The buyer filed a complaint with Paypal and escalated it to claim. My paypal account suddenly became overdrawn over $200. Not only did Paypal take the money out of my account, but they have limited my account until I resolve the negative balance!

When I sold the key, I offered two forms of shipment in checkout; standard int'l shipping or express mail. I also set insurance to optional. The buyer only paid for standard int'l mail and neglected to pay for insurance! I sent the item USPS first class mail with a customs form number, which when plugged into the USPS website tells me that the item left the US, but nothing more than that.

Paypal is now asking me to give them tracking info by Aug 8th which is in about 10 days. I think I will give them the tracking number on the 7th, hopefully this will buy me some time. The buyer is telling me that it's MY fault I did not send the item with insurance, even though he neglected to pay for it during checkout! How can I be expected to give the buyer a refund? It's not my fault the post office has lost the item!

I do have a tracking number, but as of today it only states that the item was shipped out of the US, and that it will be updated later. It does not state the item was delivered. If the tracking info does not change to state the item was delivered, Paypal will probably reward the buyer a refund. What can I do to protect myself? How can they give the buyer his money back, taking it out of my account, when I did not do anything wrong and have no item to show for it?

I sent a payment of $550 via PayPal to an associate. When I logged onto my PayPal account, my account balance was "$0.00." Therefore, I thought that I first needed to transfer money from my bank account to my Paypal account in order to send the money via Paypal. I transferred $550 from my bank acc't to Paypal, then I sent $550 to my associate. However, Paypal viewed this as TWO separate transactions and $550 was taken out of my bank account twice. I called Paypal and spoke with 2 representatives and both told me that there was nothing they could do even though one of the transactions was still pending. It took a week for the second $550 to clear my bank (causing a -$433.00 balance) and then for me to transfer the money back from Paypal to my bank account. It took a week for this to be resolved and for the money to be redesposited back into my bank account. I had to initiate the transfer back into my bank account. Paypal did NOTHING to help me.

I bought a pair of diamond earrings from a seller. These earrings were awfull so I sent them back to the same company address that I received them from. I mailed the item back on June 9th and they were signed for by one of the company representatives on June 11. I called Paypal to let them know this and they said I would need to fax them proof of service from the post office, which I did.

I called yesterday and spoke with a man named Sean. He tried to tell me that Pay Pal had sent me an email telling me that the tracking information I had provided from the US Post office was no good, that the seller wasn't at the address I had sent the merchandise back to and that I would have to send the merchandise back to the right address. I asked this Sean how in the heck could I send back merchandise that had already been sent and recieved by this company on the 11th? He said he didn't know but that is what I had to do. Obviously I must have made this Sean mad, because after we got done talking, I went back to my Pay Pal account to look up the case and found it had been closed.

Not only has Pay Pal caused me to lose my merchandise, but also the $120 I spent for it and now will probably not beable to recover. I just sent Pay Pal an email asking them to reopen this case of mine, but I bet they won't do it. I have documentations that will prove this company did not want to pay me back for the item, even though they admitted to me that they had received it back. HELP

I sold a used Ibanez TS-9 Reissue overdrive pedal in the original box with all original paperwork to this person on May 11, 2009. Shipping weight was 1 lb., 8.3 ounces as stated on my USPS shipping receipt. My cost was $8.80 with Delivery Confirmation. The actual pedal (no box, no packing, etc.) is 1.3 lbs.. The pedal worked perfectly when I shipped it, and when Exquant received it, as they left positive feedback on eBay. Over six weeks later they complained to PayPal that the pedal quit working after they sent it to another company to be modified. PayPal immediately put a hold on my account and put $71 on hold to pay Exquant with.

A couple of days later they said his claim was valid and I was to pay the $71 and they would release the funds to him when he verified he had returnded the item to me in the exact condition it was received by him in. Several days later I received a small envelope with 3 IC's, 4 resistors and 4 capacitors in it along with a letter stating that these part were removed from the pedal, but there was no pedal. The envelope he sent weighed 3 or 4 ounces at most and cost only $2.02 to mail from Florida to Utah USPS First class WITH Delivery Confirmation. So the actual postage was really only $1.32 as DC costs $.70. So I appealed to PayPal. They asked for documentation. I sent my original receipts (with weight and costs) on it. I sent photos of what I had received (with the $2.02 postage showing), the components I received, and the letter more or less "taunting" me that these components had been removed from the pedal. I also had the original delivery confirmation receipt where I had sent it, which matched the number PayPal has on file. So if Exquant would be made to provide their receipt showing the weight of the package, one could determine that what I received weighed approx. 1/10th of what I sent to them. But one lady at PayPal stated oh it could have "dried out". It's made of steel and electronic components and a 9V battery. It weighs 1.3 pounds not in the box, no matter what. It doesn't "dry out". Another call to PayPal and I was told that maybe he got "a deal" on shipping.

So I contacted the USPS and was told a 1.3 pound package would cost a minimum of $5.50 (including the Delivery Confirmation) to be sent to me. That is MINIMUM, parcel post cost. He sent it USPS First Class for $2.02, so it clearly did not weigh 1.3 lbs., absolutely, without a doubt. But PayPal says "he said he mailed it to you and we have a delivery confirmation number". I had to provide proof of the weight of what I sent to him, yet he has to only "say" he sent it back? My proof (and it is ironclad proof) is being ignored by the people at PayPal. The question is why? Probably because if they have to make him pay my money back, they have to give my the $2.36 PayPal seller fees they make me pay. And yes, they released the funds to Exquant on Monday, July 6, 2009. So I have no pedal (Exquant still has it) and he also has the $71 back.

So I appealed to PayPal and they asked me to send an affadavit, fax information and photos of what I received. Well, I did all of that on Thursday, July 2nd, and it was deleted on Friday July 3rd. I resubmitted it on Monday July 6th and it was deleted on Wednesday July 7th (today). I resubmitted it once again today.

PayPal is either woefully inept or outright thieves, and I can't figure out which. Each time they asked me for info, the very next day they'd rule against me, and Exquant had sent them nothing to prove anything. He just said it didn't work after more than six weeks. He could have dropped it in water, or otherwise broken it, or probably after he had it modified it didn't sound right to him so he complained to get his money back, and then knowing PayPal wouldn't do anything he sent me a worthless bag of parts and kept the pedal anyway.

I purchased several pieces of jewellery on E-bay from a seller in China. The items arrived significantly not as described and some were damaged. I filed claims with Pay-Pal and they told me the seller was going to give me a full refund if I sent the items back to China, which I did. The postage cost me almost $50. To my amazement however, Paypal closed one of my claims against the seller for the reason that the tracking information I provided was invalid and the seller said he did not receive the items within 30 days.

I sent Paypal a complaint letter about the 30 day limit as the items were going to China and I also sent them copies of the postal tracking information documents. Today I received an e-mail that they were closing another claim to the seller for the same reason as above. However, I checked on the Canada Post web site at it said that the package arrived to the destination country on July 6, 2009. Why didn't Paypal give me a refund, if they have a zero fraud policy and I was defrauded by the seller? Why wasn't the seller instructed to give me a refund?

Why was I told by Paypal to ship the items back to China for $50 to get my money back and now it appears as though they just want to close my claims against the seller and not give me a refund?

I have been creating some software and use PayPal as the payment source to pay the people working on it. One of the people is in South America, and paypal wouldnt let me use my own credit card to pay and I had the option of linking my bank account (no thanks) or get their credit card. I figured, why not, I will just pay it off before the end of the month. Well the itnerested rate comes back after you get it at over 20%! My credit was above 750, and I still get a 23% credit rate!

So I use the temporary card,and it gets maxed at the limit which wasnt very high. I call them and ask if I can pay it off so I can pay my people again, they say no the card has to show up and you have to activate it. Well, the card never showed up but they cant give me any more information becuase the card comes from GE Money bank, not them. So I cant pay my people, and everytime I call them I get transfered at least 5 times, but never get any help.

This is terrible customer service, and it seems like a scam to me. My entire project is in jeopardy becuase of the cruddy practices of this company. Beware. use this for basic simple things, dont depend ont his service for anything important.

Can't communicate with PayPal to find out why this has not been closed & my money given back to me. It is very frustrating when you can not get an answer or even find out how to get an answer.

ebaysuccesssystems actually stole 39.95 from my paypal account without approval and authorization. I submitted 1.95 for ebay business information and actually charged 2.95. A couple days later they deducted 39.95 from my paypal account from my debit card. Paypal wants to suspend all activity from the card account before they investigate the transaction which amount to ZERO and the ebay company getting to keep the deduction and they don't even have a legit telephone number that paypal won't even verify. The telephone numbers only ring as busy or plays music for hours at a time with no live human contact.

Paypal & Ebay has set up a systemt that will take monies from individual accounts and have no recourse as they work in cohoots with each other and sends the monies over seas that draws the whole complaint and affidavit process out, way beyond american identity theft laws and into personal accounts that are actually fake.

I am so [upset] at both companies that I will probably go into the office the next time I'm in the bay area and just sock the CEO of ebay for theft and join any class action law suit against paypal that claims they are just a front for ebay and does nothing for the seller or on a flip side, the buyer either.

I sold a part to a person in USA. the person sent the part back. Paypal has policy that any item valued over $250.00 must be sent "signature confirmation" My item was sent back without my knowing. The box was in terrible condition. All packing was missing. Parts were missing/ damaged. The item was in non-salable condition.

I contacted Paypal about the situation and was told that I would need to file incident report with local police Department. I filed the report with officer Clark (badge # 39587). The report was then faxed directly from LAPD west valley division. Paypal then says "we did not receive the fax" I then go back to police department and officer Emenheiser (badge #38440) sent second report directly from the police station.

Paypal claims they never received the faxes. Paypal then gives me a different fax number. I contacted officer Clark once again and gave him the different fax number but Paypal has never contacted me.

During my wife's battle with cancer in 2006, she wrote a journal to me in secret. After she died in December 2006, I responded to her writings and published them together as a book. About 5 weeks ago, book finally in hand, I created a website aimed at helping people write their own stories about loved ones they had lost as a way of helping them through their grief journeys. On the site, I made my book available as an example of what could be done. Purchases could be made using PayPal. As I was giving copies away to the people we had known together, I had no idea if others would find their way to the site and order the book or not, but I wanted it to be available to people in need.

When I received no orders for the book in 5 weeks, I asked my brother to use the site to test the process. He subsequently placed an order, his PayPal account was charged, but I did not receive notice to ship the book nor receive payment from PayPal.

In researching the problem, I discovered that the email used 'behind the scenes' on the website was missing one letter from the domain name. After fixing the error on the site, I called PayPal to determine how I could get a list of the transactions that had been affected. I was told they were not able to provide me with this information as it was not possible for their systems to query for such errors. They were able, however, to verify that the user id/domain name combination was not a valid PayPal account so no one else would be receiving these orders. Any affected buyers would simply have to wait for 30 days, after which time their accounts would be credited for an unclaimed purchase and they would presumably know to contact me in some other way to order the book at that time.

I think this is an unacceptable response. PayPal knows this happens, and gets to keep they funds interest free for the 30 days. They have no self interest in changing their systems or processes to do the right thing. Meanwhile, people suffering their own losses are waiting for help that never comes.

In December of 2008, I sold some home use software I bought directly from Microsoft. The listing I had specifically stated that it was HOME USE ONLY, it said that on the pictures in the listing, and the customer that ultimately bought the software asked for pictures before he bought it. I sent those, which, again, had HOME USE ONLY clearly stamped in large, black ink on the front of the package. The pictures were taken with a high quality digital Nikon and were crisp and clear.

Several weeks after buying the software, the customer emailed me and told me that he wanted commercial software and to please refund his money. As it was Christmas, the money had been used to buy for my three children. I explained to him that my listing was very clear and that, although I couldn't refund his money, he could certainly turn around and resell the software for profit or to recoup his loss. He became angry and demanded a refund, saying that I had no right to sell that kind of software on Ebay. I responded with Ebay's policies in the body of my email, empathized with the fact that he didn't pay attention to what it was he was buying and again explained to him that our transaction was legitimate and finalized.

He filed a complaint with Paypal who then requested supporting docs from me. I sent them everything I had, including emails between the buyer and I where he clearly admitted his mistake and they also had the listing showing that I very clearly noted the software was HOME USE ONLY. I don't even know how commercial software works! After a couple of weeks, Paypal ruled in his favor, much to my surprise, and generated a refund back to him which left my Paypal account almost $800 in arrears. I immediately called and was informed by a Paypal rep that they (PP) never rule in favor of the seller, always the buyer, and not to worry about it because they couldn't access my bank account.

What is Significantly Not as Described (SNAD)?

An item is Significantly Not as Described if it is materially different than what the seller described in the item listing. Here are some examples:

You received a completely different item. Example: You purchased a book and received a DVD or an empty box.

The condition of the item was misrepresented. Example: The listing said "new" and the item was used.

The item was advertised as authentic but is not authentic.

The item is missing major parts or features which were not disclosed in the listing.

You purchased three items from a seller but only received two.

The item was damaged during shipment.

An item is not Significantly Not as Described if it is materially similar to the sellers item listing description. Here are some examples:

The defect in the item was correctly described by the seller.

The item was properly described but you didn't want it after you received it.

The item was properly described but did not meet your expectations.

What the customer did was listed perfectly under their definition of NOT SIGNIFICANTLY NOT AS DESCRIBED. My item was listed and described accurately but the buyer paid no attention since he buys in bulk and purchases hundreds of listings a day (he is a re-seller). When he realized his mistake and didn't want it, he fell into Paypal's own definition of NOT SNAD! However, Paypal refuses to work with me, advise me how they determined my listing to be SNAD, or give me details of the decision that they made. I am being kept in the dark, have collection processing pending against me (and my credit is flawless. It took me years to build my FICO score to where it is today!), not to mention the stress and anxiety this has caused. I was also told that I should have appealed their decision, but when I called Paypal after they made their initial decision, the rep told me that the decision was final and there was no appeals process!

I sold $350 worth of silver eagles to the above individual through Pay Pal. The items were sent with delivery confirmation. The above individual contacted Pay Pal stating he never received the items, and my account was subsequently deducted the $350. I was never contacted by the above individual regarding any problem. I contacted the post office and they stated the item was delivered as confirmed by their tracking code. I contacted the above individual and he stated through his e-mails through E-Bay, that he did indeed receive the items. I thought that this issue would be resolved. However, to my dismay, the above individual is not attempting to resolve the issue with Pay Pal, and Pay Pal states it is out of their hands. I would like to know why they have the right to deduct the money from my account, and not look into this issue any further. The e-mails that he sent to me through E-Bay confirm he did indeed receive the items.

Towards the end of February I sold a pair of Boots to a woman on Ebay for a $100. In my ebay terms, I clearly stated a 3 day refund/exchange policy refund/exchange honored within the timeframe of 3 days if the boot is damaged only. After 5 days from when the buyer received boots, she granted me a positive feedback stating comfortable boots, great deal thanks!. About a a week and 1/2 later the buyer sends me a complaint stating the sz 9 boot doesn't fit like her usual sz 9 footware and that both inner soles came out the boots. She advised that the soles did not come out the boots until the 1st time she wore them, which was after the warranty period. These were brand new boots and my wife thoroughly inspected these boots before shipping. The boots proved to be sound externally/internally.

The 3 day exchange/refund period was for the buyer to inspect the boots by wearing them not for the boots to remain idle in her closet. I declined the exchange/refund because the buyer did not honor the terms established. The buyer filed a dispute against me with paypal, stating did not receive item as described. I have no control over how people wear their clothes. This is the reason why I chose a 3 day warranty. This is more than enough time to determine the quality of the footware if they're worn. About 2 weeks later, paypal released my account and granted the buyer the $100 refund.

When I asked the bases of their decision, they said, their paypal user agreement over rides any Ebay terms established between the buyer and seller. I went straight to the executive level to have this matter investigated. I sent the president Mr. S. Thompson, Senior agent Mrs. B. Beutler e-mails staing my grief. Mr. Thompson never replied to my e-mail but his senior agent Mrs. Beutler responded by stating this is our final decision and it will not be over turned. These people (paypal) refuse to give their last names. I had to do research to get Mrs. Beutlers last name.

I also spoke to an executive agent Jenni over the phone who refused to furnish her last name, she was extremely rude and non-professional in dealing with issue. I have learned my lesson, I will never use Paypal again. It's a payment vehicle that many people use for money transfer security, they will not see the negative side of this company until something negative happens. My paypal account will be closed by the end of the week.

I'm currently unemployed. My wife and I was using Ebay to sell items to supplement our income. Ebay had my account on hold because the fees weren't paid. The money that paypal refunded back to the buyer was intended for the ebay fees. I had to use my credit card to pay the fees which put us in a deeper negative situation. I cannot take the chance to sell anything on ebay if Paypal has this ridiculous policy overiding ebay established terms.

Paypal has frozen my funds for a laptop that I had recently sold. The buyer has recieved it but I still haven't recieved my funds.

I needed the money to pay my bills. now I have shut-off noticies and I'm pregant with added stress.

Paypal took away my seller money without investigation. That's went against their Seller Protection Policy.

In December of 2008 I made the mistake of purchasing an item online for $4.95 and using Paypal (ONE TIME USE) Credit card. But on Jan 02, 2009 less than a couple of weeks after the original transaction I saw another charge for $59.95 by the same company on my Paypal account. First of all, what kind of 'ONE TIME USE' card gets charged multiple times. Paypal's explanation is that the vendor can charge you upto 3 times...well shouldn't the consumer be informed of that up front. Of course not, how else would they scam us.

Not only that I got charged the 2nd time but I didn't even receive anything for that. I filed a 'Dispute Affidavit' with Paypal, I made dozens of phone calls and wrote several letters to the President Scott Thompson. Haven't had any response. This is a clear case of stealing and there's no one I can turn to for this blatant act of crookery. Please somebody help me out here, so they don't get away with this.

It has wasted hours of my time on the phone, internet and writing letters to them. And all efforts so far have resulted in nothing. I sincerely urge someone to help me get my stolen funds back to me and stop these crooks from cheating the consumers.

I have been a perfect seller on Ebay for over 10 years with perfect feedback over 2500. Despite doing everything by the book, I recently had a buyer do a chargeback through his credit card provider. This chump got his item and left me positive feedback for the item! I have delivery confirmation that shows he got the item. Now he claims he didn't make the purchase. I am out the money for the item (Versace) plus the shipping, plus I no longer have the item.

Isn't it up to Paypal to verify its buyers just like they have to verify the sellers? This guy is no longer on Ebay and I feel like he is pulling a scam. Since Paypal took the money from my account, I am now in the negative, which I'm sure they'll raid my bank account next. I NEED this money to keep my lights and heat on! I also have to ship out items with this money! This seems totally unfair and not in the best interests of the sellers. Screening buyers is their job, not mine!

The burden of proof should fall on them. They say it will take up to 30 days or more to resolve this. From what I'm hearing from other sellers who've fallen to this new scam, is that I may lose in this situation. I am guilty until proven innocent. Meanwhile, paypal has my money and collects interest on it. In many cases, they do not fight the chargebacks unless it is worth their while. I am furious! Somewhere in the fine print of legaleaze they can do this.

economic damage = me not having money to pay vital utilities!

I sold an antique fountain pen on eB ay last week for $455. Although I have 100% positive percent feedback for the past five years, PayPal decided this was a risky transaction and has placed my money on hold for 21 days in case the buyer wants to file a protest or dispute. The only way the funds will be released earlier is if the buyer gets around to posting positive feedback about the transaction or if PayPal can verify deliver -- and the only way that can happen is if you elect to use PayPal to purchase a shipping label. Otherwise, they have no method of tracking delivery. In the interim, I'm stuck for the $441 left after PayPal deducts is $13 fee for screwing with my transaction.

Everyone should refuse to ship on a PayPal payment (and explain precisely why to the purchaser) until funds have been released to your account. That's the way I handle it when someone sends me a personal check -- and apparently, PayPal no longer provides a speed or convenience edge if the transaction is larger than $100 and/or you haven't been selling at a sufficient rate to ipress them. I'm only taking checks from here on out.

I sold some vintage toys on ebay. Ebay makes you accept paypal as payment. Once the auctions had ended and I was paid, they put a hold on my account until items had been shipped and recieved by the buyers. Then they were suppose to release my account. After I had shipped the items and provided the USPS tracking numbers they completely locked my account down because a relative has unresolved issues with his account. They also asked for my proof of address and to verify my bank account. I sent faxed them a copy of my bank account agreement and a copy of my Tennessee Drivers License both with my address. But they say this not enough.

They now want invoices where from where I purchased the items I sold or proof of inventory as they call it and my disturbutors name and address. I tried to explain to them that all these items were over 50 year old vintage toys that had been purchased at yard sales and fleamarkets and there was no invoices from where I purchased them. I also ask that wasn't the buyer recieving them wasn't proof enough of inventory. All buyers have recieved the items they purchased and left positive feedback saying they were happy with the purchase.

They are holding my account because of a relative's account which I have no control over and I believe this is against the law. It is no where in my user's agreement that I would be liable for someone else's account. They are holding close to $500.00 of mine and I also had to pay for the shipping out of my pocket. I was going to start selling on ebay because times are hard here and the extra money would help alot, but it seems I am getting the shaft here.

Holding close to $500 of mine plus I paid for the shipping which was over a $100 out of my pocket thinking that they would release my money like they told me in the beginning they would. I need that money to help pay bills and feed my family. Thanks you,

i sold my gold bracelet 2 days ago i have had pos feed back from the buyer who is daw2540 who is a lovly lady but paypal has not releast my cash it says i need to waight till i get feed back which i have had. it is sill in pending

We have used Paypal for over eight years for our home-based business. In July 2008, we sold our product to a man in Nevada for over $3000. We delivered the product and have the buyer's signature as having received the product. In October 2008, Paypal informed us they were going to refund the buyer the amount of the sale, even though we had proof of receipt. We tried without success to reach the buyer.We never received any request from him for a return or refund. We have contacted Paypal by phone and email many times to get this resolved. We were assured that our personal bank account would never be touched, however on two occasions this is exactly what happened.

We supplied Paypal with all the written documentation requested and were told via email that our account was restored and by phone that Paypal Seller Protection would cover us, not to worry. However, we soon learned this would not happen. We have now been turned over to a collection agency, even though Paypal Executive Escalations tells us they are conducting more research to see if this man actually received the product (for which we have proof from the shipping company.) The buyer has the property and now his bank has the money.

We have filed a complaint with the white collar crime division and multiple complaints with the Better Business Bureaus and ETrust, to no avail. For a company the size of Paypal, it seems an easy thing to cover this under the Seller Protection plan. I am shocked and dismayed at the incredible emotional battle this has been and the lack of power we as small business people have. I am not even able to cancel this account. I have removed PayPal completely from my website and will be happy to share my experience with others. Someone needs to sue Paypal for this type of treatment.

We have been turned over to a collection agency. We have endured emotional and psychological distress.This company has abused their power.

On August 26, 2008 I sold a pair of shoes for $395 on an online message board. I received the payment through Paypal, and sent the shoes via USPS with delivery confirmation which were then delivered on August 28, 2008. Another flawless transaction, or so I thought. Two months later on October 28, 2008 I get an email from Paypal stating that the buyer has issued an Unauthorized Payment Chargeback Claim. Paypal asks for proof of shipping which I was able to show with the delivery confirmation number (Please see the attached page for more details regarding the transaction).

The next day Paypal emails me again and says that there is nothing they can do, and asks me to pay back the $395 plus another $10 fee for the Chargeback Settlement in which they did absolutely nothing in protecting me as a seller. In addition, this could not have been unauthorized because the buyer knew what he was doing by writing, "payment sent I await the shoes. Thank You" in the payment.

Now my account sits at negative $405 and the seller never returned the shoes. I called Paypal and was told that according to the User Agreement, items over $250 must have Signature Confirmation in order to be protected as a seller. Despite this detail, I followed every other step by sending to the confirmed address provided and using deliver confirmation. Paypal serves as the middle man for the buyer and seller. They charge me to use their services, and now, when their services fail, I suffer from it.

How was I to know that the buyer would be a scammer? I am currently a college student and I cannot pay the $405. Do I have to pay Paypal? What can I do? Who can I report this to? Who is at fault, me, the buyer, or our good friend Paypal?

I sold a product on ebay. The product was an iPhone. Client made a chargeback on me. Paypal contacted me to inform me of this matter through email. I responded immediately by providing paypal the tracking number that the item has already been shipped. I did not hear from paypal after that. It took some time then i decided to contact paypal to see the situation with the case. Paypal replied that they may take 15 days to investigate the matter.

Approx on the 17 day Paypal got back to me that the chargeback was successful adn my account showed a negative amount. Reason being that I am not protected by paypal 'seller protection'. In this case what was the investigation about? It is not about us being an honest seller and promptly responding paypal with all the prove needed i.i shipping information. What paypal wanted to investigate is how they could wipe their hand clean of this case. They just want to put the blame on the seller.

There are a few ironic parts to this case as well i'd like to point out:- 1. On paypal page they claim that we must respond ASAP - paypal them self took forever to respond to my concerns. 2. Paypal through their email states this We want to help you but we're not able to respond directly to emails sent to this address - this statement is plain BS if you asked me. I tried contacting paypal through other channels even on Ebay but cant seem to reach them. It seems that this is a dodgy company or at least a company with horrible customer service. Final word proceed with Paypal with caution. Even you might have the right documents to prove your case, Paypal will neglect it to preserve its best interest. I have all the emails and i challenge Paypal to refute this.

My paypal account was frozen pending investigation for more than 15 days. My paypal account shows a negative balance in which paypal ask me to settle. Lost of business and more importantly lost of my faith on the online business specifically EBAY and PAYPAL.

Paypal is holding my funds of $6335 for security reasons , they says. i sold 5 platinum coins on ebay and i had about $300 of my own money that i transfered from my own bank. Although i have provided them with all the tracking information and four out five coins have been recieved, they wont give me any explanation they just said its for security reasons, the agents from paypal are very rude to customers and they really disrespect us.i paid $220 ebay fees, almost $200 paypal fees and paid $107 for shipping with full insurnce.and i have sent out all 5 coins and it shows that 4 of them have been recieved and 1 is at the postoffice waiting for the buyer to pick up.Everytime i call each agent give me different information and try to twist things around, is it legal at all, is there anything i can do by law. thank you

We advertised a LCD projector on Craigs List. An email from a buyer named Joyce Maxwell from Joyce Maxwell inc stated that she was interested and would like to provide payment via PayPal. I created a PayPal account. I checked my PayPal account 1 day after I opened the account and there was a pending payment for the $800 that represented the sale price of the projector. Given this pending payment, I assumed that it was safe to send the item to Joyce Maxwell's associate in Nigeria. The cost of shipping the projector to Nigeria was $115. Joyce Maxwell requested the shipping info via a phishing email under the name shipping@paypal.

I entered the shipping info, but Joyce Maxwell never released the payment. I called PayPal and they stated I had been scammed and although this happens very often, PayPal was not responsible. Shortly after, more service@paypal emails were received asking for us to refund an overpayment of $500 by Western Union, which we did not do.

Our projector is en route to Nigeria (value $1000). $115 in USPS shipping to Nigeria. No reimbursed payment was received.

Pay pal placed a hold on 1209.33 of my money from items I sold on E-Bay. They send me a e-mail and explain that I must provide proof of sale from the items I sold like I am a criminal. This is a privacy issue as far as I am concerned. I have a right to protect how I earn my money and not give away my trade secrets. Pay Pal is only a accounting buisness not a Bank ,Lawfirm,or Police Department. They are not licenced to even make money off intrest from sales.

The Attorney General needs to look into these matters 1- What the percentage is of how many accounts are placed on hold 180 days. 2- What happens to the funds when this is done. A- Do they move these funds on the market to make a profit? B- Do they move these funds in a escrow account? If the funds are moved are they obligated to pay intrest for the funds that are locked out from their customers?

I recived a final letter from them that said they will no longer do buisness with me does that not terminate my account and on demand they must return my money from items I sold. I have letters from all my buyers and every item I sold they were all very satisfied with the items I sold them. any chargebacks that could be filed is pass the date sold that could be filed even if that was not the case. would not matter because pay pal does not pay for the chargebacks because they are not a bank.

They stole 1200.00 from me I am a disabled vet on low income. these items I sold with pay pal was to help me with my income. I sold them because I needed the money. They are in California and I am in Virginia. Hard to fight all them miles do you agree?

Paypal has put a limitation on my account and they are holding $672 of my own money. They say that there is a security risk with my account and cannot verify information. They say I need to verify information with them, but do not list how or why they need this. They do not list any reason for the freeze.

Obviously I am out $672, but it is much more than that. The transaction I collected the money from included professional high-end radios and I am also out that asset and I had a problem with the buyer and had to refund $150 of my own money. Currently with the fees, ebay fees, paypal holding my money and the refund I am out around $1,000 of my own money. During a tough economic time, I am a college student can can no longer afford even essentials.

Ebay unfairly favors buyers and discriminates against sellers.

PayPal required Proof of shipment or delivery? so I submitted to PayPal the new tracking number, which shows the package was in transit to the buyer.

When I checked the tracking number again and see the package was out for delivery?, I called UPS and was confirmed the package was on the truck out for delivery.

The agent can not really tell me why the refund was made. She looked into the dispute and she made the comment that the tracking number shows the buyer did not get the package. I had to tell her there was something wrong with the original shipment/tracking number and a new tracking number was provided to PayPal. All the details of the case and the new tracking number were posted to the PayPal case. It was really absurd how this information was completely ignored by PayPal.

The facts were clear cut yet the money was refunded to the buyer, and by now, the package was already delivered. How was it fair that the buyer has my merchandise AND his money back? PayPal doesnt care. I asked to speak to a supervisor but was told I had to wait the 30 days, and I still need to speak to someone, I can try calling back.

Since the buyer left 5 negative feedbacks, which were quite nasty, I wanted to leave negative feedback for him to tell the truth? so other eBay buyers can see the buyer was not telling the truth.

Since my problem has nothing to do with payment, I cannot not protect in ANY way by eBay. Yet the buyer was able to leave messages which have impact on my score as a seller. Feebacks are two ways streets. According to eBays reasoning, fear of retaliatory Feedback can also be keeping SELLERS from posting honest evaluations of their experiences.? But there is no such rule. This reasoning of eBay is only a ONE way street to protect the buyers. This rule doesnt even make sense. If someone (does not mater if its the buyer or the seller), was a bad customer or provides bad service, negative feedback should be allowed. I dont understand how eBay and PayPal favors the buyer to such an extreme. Without the seller, eBay would have nothing to sell and no buyer would visit the site. This discrimination is totally unfair (not to mention it ruined my 100% positive feedback which I worked hard to build I always prided myself in my customer service) and warrants a class action for all sellers who suffers a similar fate as I.

P.S. I received a notice from PayPal yesterday -

We have received your valid tracking information on the above-mentioned case and sent a courtesy email to the buyer on your behalf. We have requested that the buyer submit a full refund. Please contact us again if you cannot receive a refund from buyer after 3 days.?

When the dispute was filed by the buyer PayPal immediately froze the amount of refund (deducted from my account right away). When PayPal wrongly ruled against me, the money was refunded to the buyer IMMEDIATELY. Now that the situation is reversed, what should happen to the buyer should be the same as I money frozen and taken from his account and refunded IMMEDIATELY to my account. Instead, a courtesy email? was send requesting the buyer to send a refund. And it is MY responsibility to chase after they if I do not receive any refund after 3 days. This is totally unfair and discriminatory.

Ebay changed policy to take payment from bank account automatically, without warning, which leads to overdraft. The obvious goal is to save profit from credit card comissions cost reduction, but if they do such radical change they must have a clear warning.

My wife and I had to come up with other means of income due to me being disabled, my wife can't work due to a hit & run on her motorcycle and is still waiting on aproval for disablity. So,we decided to start selling on ebay. We joined paypal & ebay on or around Nov. '01. We were selling authentic Coach handbags (the outlet is only a hour away)and other new items. Things where going good the first day. The second day I wanted to list more of our Coach bags since Christmas was comeing upon us really soon plus we had all our savings wrapped up in the purse's (over $9000.00) and needed a turn around before Dec 15 when all our bills start to come in. We had around twenty or so items running by the end of the second day. On the third day we received a email from ebay telling us our items have been reported as fake therefor they removed them.REPORTED BY WHOM? ANOTHER MEMBER! DUH!! HOW STUPID CAN EBAY BE!!

I emailed ebay stateing I had proof of purchase and added it to the email. We received another email the within two or three days, within that email it stated that if we knew for a fact that our items where not fakes and provide the receipts to back it up and if the items that where removed had been placed in our unsold items we cold relist them. So I did! Some even had a scanned photo of the receipt in the description. Things where going good.A few days later I wanted to see if there where any more bids so I checked our site to find our items removed for the second time plus we had been suspended from ebay for 12MONTHS. Remind you that during this weeks time items had been sold, payments had been sent to paypal. So I log into my paypal account to find there has been a temporary hold placed on the funds until the buyer receives the item and leaves positive feedback or until paypal could confirm the items where shipped to the correct address by providing them with the delivery of confirmation numbers.

Well, I thought "no problem" I can understand paypal wanting to be cautois with new sellers. So we mail out the packages as requested by paypal hopeing that within a few days the funds of 630.00 would be released to us. They released 86.00 to us because a member left us positive feedback. I then whent to follow up on the feedback to find out that not only did 1 member leave positive feedback but 4 members had left positive fb. So in-turn I called paypal to find out why the other funds have not been released,the agent responded that my account has been frooze due to supecouis actity.

I replied "tell me what that is?" The reponse was due to ebay reporting my items to be fake. I wanting to know how I could send documentation to prove otherwise, the agent gave me a email address to send copy of the receipts to. I followed instruction to a "T".. Here it is Dec. 23rd my account is still not only limited but has been suspended for a time of 180 days. I have emailed both paypal and ebay, sending copies of every receipt and the only reply I get is "your account will stay limited for the amount of time given in earlier reponse". What type of a reponse is this? We are in America Right? We do have rights don't we? We can't let companies like ebay and paypal just walk all over us,CAN WE?

I have been an Ebay /Paypal customer since 2001 with a perfect record. I have 299 Positive feedback with ZERO negatives. My PayPal record is flawless as well. In Oct 2008, I sold a Nokia N95 to a buyer in the Netherlands (my first international sale). On Nov 4, he files a claim of non-receipt. PayPal immediately puts my account into a negative status of $424.58. It took three weeks for the Nokia to arrive. The buyer had the tracking number since the day I mailed it in October so he knew that the delay was because of Customs in the Netherlands. The item actually arrived on the next day after he filed the complaint on Nov 5. I received notification of this claim on Nov 5, checked the shipping status and discovered that the item had actually arrived.

I contacted PayPal with the USPS tracking # and informed them that the buyer had incorrectly filed a claim. The item had indeed arrived. PayPal delayed in responding to me for several days. They said that they need to investigate. Not sure what this means. From the suspension of my account on Nov 5, they said they would have an answer by Nov 25. I sent repeated emails to PayPal saying the claim is false and they should remove the negative $$$ status on my account so I could continue to buy on EBay as I purchase electronics to run my business. I said that the buyer has too much power and they should not freeze my account without hearing both sides. They did not comply.

On Nov 19, the buyer cancels the non-receipt claim and files a new claim saying that the item he received is not what he bought. PayPal opens a new claim on Nov 19 and promises to complete the investigation by Dec 5. I periodically check the status of my PayPal account and now they say the investigation will be completed by January 18, 2009. This entire experience has been ridiculous. The buyer has no credibility and too much power. He is tap-dancing all over my account and I find it appalling that a buyer can just freeze someones account at their own whim. There are always a few bad seeds on the Internet and I had the misfortune of crossing paths with this *******.

I have been a very active buyer on EBay since 2001 and I have never been the cause of any issues whatsoever. I feel, my rights as a consumer have not been recognized or honored. This is peak buying season and PayPal has committed a major disservice to me and my ability to pay people using PayPal which is widely recognized as the de facto payment system. Moreover, my account remains in a frozen negative $$$ status and I have no power. I fear this will look bad on my credit and also my reputation in the online community.

I work very hard to maintain my reputation and PayPal, through their [poor] customer service and their inability to take care of me, is singlehandedly responsible for losing me as a customer of EBay and PayPal. I have requested for PayPal to cancel my account and they refuse to answer. I told them that is they take money from me, I will fight it. I hope this is useful information for you.

I sold a set of heads on ebay. Customer complained so I told him to return the heads for a full refund.He sent the heads UPS ( another mistake) and they apparently dropped them off at my house ( no signature). When I informed him that the heads did not get delivered to me he filed a dispute with PAYPAL stating that the item was not as described. They of course took my money back. Custmoer then filed a claim with UPS. So now Paypal has my rent money for January help up, the customer has two claims filed ( paypal and UPS). Paypals policy is very clear that items over 250.00 require signature. Paypal just keeps running me around. They claim that they will decide the claim by Jan 15th. Tell the people that I owe money to that story.

I do not have the heads( 599.00) I have paid for the original shipping of 39.00. Paypal has frozen my account. Can't pay bills. PAYPAL DOES NOT CARE ONE BIT.

I bought a thermostat on EBay and found that it was defective. (It registered the room temp. 5 degrees hotter than it actually was.) I asked the seller to send me another one but he refused and wanted me to return the one I bought first. I told him that the weather was hot and that my air conditioner would not work without the thermostat. I contacted Paypal and filed a complaint with them. A period of a month went by and I received notice that they had ruled in favor of the buyer. I told them then that if they had ruled in my favor, why did I not get a refund or credit to my Visa card. They essentially never answered my questions but told me via an email that my case was now closed. They have been very sparse in answering emails and have provided false information when they have responded.

They allowed the seller to keep my money. He has both the defective thermostat that I mailed back to him and the $35 I have spent on the product and what it cost me to mail the package back to him.

Paypal is holding my money even after delivery confirmation and positive feedback was left for me.

I can't buy my little sister her christmas now.

I have been using Ebay and PayPal for over 5+ years no with no Problem. I have a seasonal product that I have been selling on Ebay. With a 100% feedback rating and some great emails to stand behind my product. This year the first sale turned into a real nightmare. In my Ebay listing I clearly state the hardware requirement to run my software. Some joker quickly uses the buy now pays with Paypal. I shipped the item and it was received. The in a few days I received an email stating he wanted to return the product. My response was no returns on software once it have been installed.

He then filed a complaint with PayPal that idem was not as described. My response back to PayPal and in his response to Paypal was a copies of his email showing he didnt have the required hardware to run my software (something that could be added for a few bucks). PayPal ruled in his favor and took the total amount with shipping out of my account, and he returned my product, it had clearly it had been opened and installed and who knows how many copies have been made. PayPal has just given this person a FREE copy of my software! The seller has NO rights when dealing with PayPal. Read PayPals own terms on not as described and you think you are protected, WRONG. They will side with the buyer every time

I was the seller in an Ebay transaction. The buyer didn't respond to any emails inquiring about payment (I gave him approx. 2 weeks) so I opened a dispute with Ebay. The dispute got the buyer to pay for the items and he paid with PayPal. About a week or two later the buyer then opened a dispute with PayPal saying the items shipped were not as described. He said one of the items was damaged. The items were in the condition as described in the auction listing and there was absolutely no damage.

In my response to PayPal I went on to explain that if there was damage it had to have occurred during shipment. (I actually don't even think there was damage to begin with - that the buyer has buyer's remorse and was attempting to get what he wanted but at a less than agreed-on price.)

Also know that the buyer declined insurance. I thought that the purpose of insurance was to protect against lost or damaged goods. So basically I think the buyer used the not-as-described claim to get around the fact that he didn't purchase insurance and/or to pay at a lower price. I'll re-state that I don't think there's damage but at this point I think he'd purposefully damage the item to now provide evidence if it was required.

I disputed the claim with PayPal by which the buyer wanted a refund for some of the original purchase price. PayPal sided with the buyer and I did not get an explanation as to how they came to their decision. How does this impact me? PayPal says the buyer was entitled to a full refund and now I'm going to get back a damaged item - an item that was not damaged when I shipped it.

PayPal says the refund stipulation is that the buyer ship the item back in its original condition but that is literally impossible because there was no damage when shipped. All said, and I'll go back to the point that I had to open an Ebay dispute to get the buyer to pay, the buyer was able to work the system to get out of paying and I'm stuck with something damaged.

This is a real good one.....I started a store on ebay and had to set up a account thru paypal because you have to. I had no problem with that. They put me thru the registration process with all the information to verify who i was. And now here i am on ebay for about a month selling items and starting out good. Positive feedbacks coming with no complaints at all. Then all of a sudden i am no longer a registered user on ebay. My store was shut down completely with no reason why except account suspended. Everything was gone. No sold items or anything. I cant do nothing but talk to them or pay them for what i sold. Which i am not sure i owe them what they say due to the fact i cant even see my invoice.

I talked to them and they said it was due to paypal.Then i start getting emails from customers freaking out because ebay sent out emails to customers that the item has been canceled and to be careful about fraud. And to go theu paypal for a dispute! WHAT!!!!Then i go to my paypal account and it has been put on limited access. Which means no money can be withdrawn at all till their investigation is over for some more information. But in the meantime every penny i got thru paypal from my customers was on hold until they was delivered or 21 days or feedback was given positive. NOT....I had to call to get any of it credited to me and i have money but cant touch it! So called paypal and was told do what they ask....Ship the last 3 items,give them my social security number again,and information where i get my items. I was like what!

I think that i am already being investigating with holding every penny of my money till item is delivered. But they said just ship and give information. Well i did...Well there was 3 they chose to so call it an investigation for unauthorized payments but yet they chose the last 3. The first one was shipped...called...no response of complete! Okay....It was delivered and i put in tracking numbers. No response of it complete.... called and still not completed! Then 2nd one shipped and delivered! No response of complete. I called and they had the items and all info. But still didnt take off the disputes they made. I waited and in the meantime the last customer which was late being shipped due to me calling and freaking out and then having to go thru paypal for all info of the customer was shipped parcel post which they paid for. Then i called and now it has to be delivered!

Well here i shipped it parcel post because i was under the impression until the last call that they had to be shipped only. If i would of known that i would of shipped them all express and lost money just to get back on which they say 5 minutes after their investigation is complete my ebay store will also come back on because my paypal account was linked to it. I dont beleive that because its been over 2 weeks now and they just now closed 2 disputes which the first one was delivered 3 days after they shut me down,and the 2nd one about a week later. Now here i am waiting for the last one to be delivered which could take forever due to parcel post.And here i am with no money at all but about 700.00 in my account i cant touch! Not counting the 130.00 they have for the last shipment that is not in the total. And about 135.00 for 2 items that has been delivered but no money has been released for them. I have to call to get so many released when they say 3 days after delivery or positive feedback given. This is not right at all....its my money and i have delivered and have not received one complaint or dispute from customers!

Paypal has struck again. After selling an item on ebay paypal decided to HOLD the funds. Since im not a merchant and im leary of internet scams, i never keep money in my PayPal account. When i went to ship, i could not due to lack of funds in that account. They have the extreme power to just come in and SEIZE my money?

I have 100% positive feedback with Ebay and amd a Premier acct holder with paypal. Now- I just dont know. I used BUY IT NOW so i paid money to get my payment immediately...guess what..i cant touch it. ebay and paypal...are just TOO BIG like the others. [They] too are not recession proof. enough of this gets around...maybe [they] will start releasing peoples money.

cant ship item immediately...positive feedback will go away..

I sold some items on Ebay to try bridge a gap between the sale and my next pay check from my employer I just needed to pay some creditor to avoid having any action taken against me but now I'm in a heap of trouble because PayPal has a new policy that prevent from accessing funds for well over 2 business week how can I make my ends meet when all these so called safe transaction make more difficult to access funds

I have some utility company threating to shut off service

Here is a good one about the company Paypal, which you are forced to use if you sell on ebay. I sold a card to a person in Hawaii. The buyer claims he never received the card. So the buyer logged a complaint with paypal. Paypal proceeded to take 133.00 out of my acount and hold it until i could prove that i shipped the card. I sent paypal all the information along with a photo copy of the shipping reciept from the post office. I sent the card priority mail. The buyer did not pay for insurance or delivery confirmation.

It took three weeks and Paypal ruled against me. They said because i had no tracking number of proof of shipping (which i 100% do) there is nothing they can do for me. Talk about having $133.00 stolen from you with reason or explanation. There must me something that i can do. This company can not just feel free to go into my account and take money that does not belong to them. More over, make a ruling based on facts that are false. Plus - this specific buyer has claimed in the past that he has not recieved high dollar cards from other buyers. I have been stolen from and i think something should be done.

I am out the card that i sold and i am now out $133.00. In these harsh economic times - losing - having $133 stolen from me is not a good thing. What can i do?

I would like to know WHY when I use a virtual ONE TIME USE ONLY PAYPAL PLUG-IN number, WHY the company is allowed to use it again. I authorized transaction for $4.95 on 09.27.2008. I HAVE RECEIVED THE ORDER THIS IS NOT IN DISPUTE. I called this number Sunday 10.12.08 left a message, told them when to call me back as expected I did not receive a return call on Tues. or a message on Monday when I was at work!

I DID NOT authorize transaction for $79.95. on 10.12.08. oddly enough no phone number for this company, but it is the same company. I haven't disputed it with my amazon.com transactions but it happens there but I AM making those, I DID NOT MAKE THIS ONE, I WANT IT STOPPED. I have called the number on the first transaction and left them a message. PAYPAL NEEDS TO MAKE THE PAYPAL PLUG-IN VIRTUAL DEBIT CARD TRANSACTIONS THAT ARE ONE TIME ONLY REALLY ONE TIME ONLY. This has happened before.

This is paypals claim about the one time use card: ""Single-use cards. You generate a MasterCard debit card number for a single purchase. Once the purchase is complete, the card is closed and can't be used again by anyone. These cards can be used for up to two months, unless you close them" Copied directly from the paypal site. Obviously this is a problem.

Paypal is my business account, I try to keep it separate from the household money. They allowed the removal of money from my account that hampers my mailing of items to customers, and my purchase of items to sell. They promise one time use and security but refuse to not only provide it, but refuse a timely resolution. I am out the $79.95 until they decide whether or not I really made the purchase I DID NOT, and maybe decide to refund my money. I feel both the company that did this and paypal are commiting fraud on the consumer.

I had a buyer claim that the item bought was defective. A claim was filed with Pay Pal. Pay Pal has now suspended $175. out of my Pay Pal account. Since there was not an money in the account, I suspect they will withdraw money from my back.

The buyer filing a bogus complaint is a win win situation for Pay Pal. Where is the seller protection? I suspect $175 will be taken out of my account and returned to the buyer.

someone hacked my paypal acct and tried to withdraw money from my checking acct. There was hardly any money in that acct, and Paypal paid them anyway! This seller was from the uk and the buyer was listed as being from VA, but, on researching ebay, he was actually from the uk. Now I have a negative balance with Paypal which they say I owe them. I know they will ruin my credit if this happens.. all because a scammer got into my paypal-- all with different names and addresses than my own.

I never received a warning from paypal that this item was going to a different address than mine; nor did I receive a you have made a payment email from Paypal. All the names of the seller and the buyer on my paypal page were totally unknown to me. My claim was denied very quickly from Paypal with no recourse.

Many many hours on phone and email with Paypal..had to get new credit card and bank acct. Lots of sleepless nights and worry.

I am so upset with Pay Pal. I recently was selling an item and was going to ask the buyer (from another state) to deposit in my checking account through a bank near him. Someone said, Pay Pal will have your money to you same day. I signed up for pay pal and have not seen my money since. They are making it nearly impossible to obtain my money.

Phone calls seem to go in circles. After 25 minutes on this latest call, the customer service rep told me exactly what I told her in the first one minute on the call. Everything they tell me is you have to wait anther 3-5 business days. Well, that's a week. So far we are up to 3 weeks before it MIGHT be resolved and I MIGHT have my money. I would like interest on my money they are using during this time. When I asked who can I contact to complain, they said go to their contact us link. Well, that's a bunch of garbage too. It allows you to ask a question. Nothing more.

Economical consequences???? I'm now overdrawn in my checking account because Pay Pal funds did not hit. Pay Pal should have to re-imburse me.

I set up 2 different Payment Processors (Propay and Moneybookers) but many buyers don't like using anything but Paypal. I kept on refunding all the sales payments I made through Ebay that wound up paying through Paypal, and only wound up with angry buyers when I sent an invoice from Propay or Moneybookers, ending up with negative feedback. But the worst is, now I cannot even request a refund to the buyer from my Paypal account. Yet Paypal continues to accept payments from my buyers, then holds on to the funds. Obviously, no buyer is going to pay me twice through 2 different payment processors. It's just a nightmare!

In a 3 days I had sold close to $10,000. worth of merchandise a net profit for 3 days of over $4,000. I completely lost that income and my reputation was destroyed on Ebay.

They make it impossible for you to withdraw money from your paypal account. They keep you on hold forever if you call (20 minutes or more); they can't help you when you do call. Their live chat is useless online; I have been trying for 2 weeks to link my credit card and verify my bank account with paypal in order to withdraw money above my limit of $500.00. They can give me $500 in the form of a check, but they charge a handling fee. Not fair....

I have had to wait over two weeks to get some of my money. They are requiring too much red tape for people to verify their identity and take too long to correspond back to their clients. They need more phone help and better live chat online assistance.

I manage a Vacation Rental Property. Since I have had a PayPal merchant account for 8 years I decided to use PayPal to receive electronic payments for deposits and advance payments of rent. An individual made a $1000.00 payment via PayPal for the deposit and advance payment of rent. PayPal received the funds the next day from his checking account. PayPal then placed a hold on the funds, stating they were investigating the transaction for possible fraud. After 10 days I started asking when they were going to release the funds. After 2 weeks, they reversed the payment without giving any reason. The renter swears he did not do or say anything to cause them to reverse the payment.

PayPal just decided to screw me over because I questioned their actions. I have since come to an arrangement with the renter and he paid me in cash once the funds were back in his account. PayPal had no reason to freeze my account, nor any reason to reverse the payment other than the fact that I questioned their actions. I have requested that my PayPal account be canceled and I will never again trust or use PayPal.

Lost use of my PayPal account for over 2 weeks and I must find a real financial institution to process credit cards and electronic payments as I can no longer trust PayPal to perform this critical function do to their proven unreliability.

i sent a item to a [man] mexico. he claimed that he did not get the item, so i did a tracking number. my paypal account is frozen, and if i sell anything on ebay, they will take that money to deal with the negative balance in my account. they will not restore the account until the [man] receives the item. i cannot ship any item out cause paypal have made my account minus. i have talked to them a bunch of times, but have gotten nothing.

I have had the worst experience with using pay pal lately. They hold your money, because they have new policies that state they have that right to hold your money that your customers pay you. What I think is really unfair is how they take their fees out of the money you are paid by the customer and then they hold the funds so you can not with draw or have any access. Ebay takes their fees out of the money as well.

You get very rude treatment when calling pay pal customer service to ask questions about this or you get hung up on. They keep changing their policies on me everytime I call or email them to find out when are they going to release my money. First they told me to pay through pay pal to ship item so I did and they got the confirmation that my customer did receive the item.

Next when I call asking why isn't my money released yet they say because I haven't received positive feedback yet. This is very very unfair for the sellers and also let's not forget ebay is what they are today because of people selling on there and paying all of the ebay and paypal fees. If pay pal holds peoples money they should not be aloud to take their fees out until releasing the funds, because what do they care since they already got paid. NOT TO MENTION THE FACT THEY CHARGE $1.00 everytime you their shgipping through pay pal. There should be another law suit against them because they are not even following their new policies and they make it extremely hard to get in contact with their customer service. When you email them they just send an automated email about their policies.

I have spent alot of time on this,I am very stressed and I am out more on shipping charges then what I charged my customers.

I have been selling and buying on Ebay for over 1 yr and I use to enjoy doing this plus it helps me so I can stay home with my autistic daughter. I recently sold 3 items on ebay and when I went to withdraw the money from my pay pal account I was declined so I came home logged onto paypal and they decided to hold $115.00 of my money.

I called them several times trying to find out why is my money being held I was hung up on then another customer service rep I could barely understand stated that I had 2 charge backs from 2 customers over 1 month ago and that they have new policies that state when you have a charge back they will hold your money for 21 days or until a positive feedback is left or until you provide proof of delivery of merchandise.

I was furious because they never warned me and I have to pay out of my own pocket to ship items because they are holding my money the customers paid. I went on ebay and paid for shipping through pay pal and sent them the confirmation numbers and tracking info. The merchandise has been delivered to my customers and PAY PAL still comes up with other reasons why they are going to hold my money.

One customer service rep I spoke with flat out told me I have no clue why they are still holding your money. I have seller protection through pay pal so if someone does a charge back on my account it is covered under pay pal seller protection.

I sold Teresa P. a diamond ring which was just appraised at $2400 for $1900 (which included overnight shipping). She asked me to go thru paypal for payment since she was sending the item to a friend in the States (she was in Erupo at the time, so she claims) I have never used paypal but it seems safe, so once I requested payment I sent the item. The payment is still pending. She never approved it and tricked me into sending package by making me think that that how paypal worked.

I would get at least one email from her everyday until I sent the item, now I haven't gotten one since Wednesday and it's Sunday. She claims paypal is slowing down process and she got tired of me not trusting her so she was gonna send the item back. It's been over a week and I have no ring and no payment and I'm worried that even f I get the ring back now, she might have had her friend James change the diamonds for fake ones.

I have spent much time online emailing her to resolve this. I have no ring (worth $2400), no money, and I had another buyer here locally that would have bought it for cash, so I was counting on that money since last week. Now I have late fees on some accounts and it's because this man and woman have stolen from me!

I am very dissapointed with my paypal service. I dont know what gives them the right to withold my recieved payments and expect me to ship the items! I generally will only ship items once payment has been recieved. I was never told prior to receiving payment that my payments were going to be held. If I would have known this I would have certainly used a more reliable form of payment other than Paypal. I Shipped the items anyway and even after they have been recieved my payments are still being held. I appreciate they are trying to protect buyers interests.... however as a seller I have given up my goods and not recieved payment! I am pretty sure ebay is breaking some form of rule or law and I intend to follow up with this and will be posting my experience on various boards. This is rediculous!

I have personally verified this at the usps website and usps store. The charges for the same weight on usps website and store is same and is lower than what paypal charges us.

I sample checked on 8 items and all cant go wrong had it not been paypal scam. Their corporate veil needs to be lifted. I do want a lawyer to contact me

Millions of sellers on ebay are being cheated by the minute. Millions of sales takes place on ebay and each seller is being cheated on it.

Millions/Billions of dollars are being by the minute pocketed by them.

They are charging excees postage from me and all other sellers who are completely unware for printing shipping labels on their website once a sale has been made on ebay. They claim to give you discounted shipping while charging us not only extra but also the discount part has been pocketed by them. They blame usps but its not usps. Leave alone the discount, they charge at least 70 cents for the smallest package of once once extra. It multiples with the size of the package.

I have personally verified this at the usps website and usps store. The charges for the same weight on usps website and store is same and is lower than what paypal charges us. I sample checked on 8 items and all cant go wrong had it not been paypal scam. Their corporate veil needs to be lifted. Millions of sellers on ebay are being cheated by the minute. Millions of sales takes place on ebay and each seller is being cheated on it. Millions/Billions of dollars are being by the minute pocketed by them.

I wish to file a complaint against PAYPAL, INC whose headquarters are in California. I sold two motorcycles via EBAY online and the buyer paid for them through PAYPAL. The buyer came to my home, took delivery of the motorcycles without riding them or even looking them over, took the titles and a paper where I said the motorcycles were sold AS IS, NO WARRANTY and once at home, 1000 miles away in another state, he began trying to get his money back. He tried for a refund from PAYPAL, who refused him. Then he tried for a refund through Ebay's Vehicle Buyer's Protection Plan, which refused him. Then he did a charge back on his credit card, which he received despite my protests and evidence there was nothing wrong with the motorcycles and that he had possession of them.

Now he has filed a charge back on his credit card for the Second motorcycle sold to him by us, and meanwhile PAYPAL is doing nothing to solve this dispute, PAYPAL is not standing up for me the Seller, and PAYPAL has let this person steal my motorcycle by allowing him to get a charge back via his credit card, and PAYPAL will probably now allow him to get a second charge back for the second motorcycle.

Now PAYPAL has a negative balance in my account online and wants me to fund it, effectively putting in the money in the account the buyer paid for the motorcycles, which he has for free. This means I would be out my motorcycles and my money for the motorcycles. PAYPAL would have their money, the buyer would have my motorcycles, and I would have had my property stolen. Please look into my case with PAYPAL and force them to protect me, as per their service agreements, against a buyer who is trying to steal from me. Something has to be done about PAYPAL and their buyers who try to steal from sellers on Ebay. Thank you.

Concerning PayPal Case #PP-498-260-583 for Non-receipt - Claim. Canada Postal Service Tracking Site for this Item. I appealed this case to PayPal this morning, and they denied the appeal without even looking over the information I had given Customer Service. I know this because the appeals department received the information and within a couple of minutes the appeal was denied. The CS rep. told me that this appeal could take awhile, because the office that handles it wasn't even there yet. (I am on the East Coast, and they are on the West. It was early in the morning when I called from here.)

Buyer won an e-bay auction from me on 5/20/08. She paid for the item after 10:00pm EST. I mailed her item out the very next morning to the PayPal confirmed address. The buyer did not purchase the optional insurance that was offered. Canada Postal Service lost the package, and buyer put in a claim to Paypal for me to refund all her fees. PayPay refunded all the fees to her today- 7/28/08. This, even though I followed all their rules for Seller Protection and sent it out within 7 days and to a PayPal confirmed address. I even offered insurance, but he buyer did not want it.

I have had to pay all the e-bay and PayPal fees- on top of the cost of the lost clothing, as well as the shipping cost. PayPal states that they protect sellers that follow their rules. I did, but they have penalize me for errors committed by the buyer and the Canada Postal service. They have frozen my account until I send across money to pay for this claim. I have auctions going through tomorrow night, and they said that they will take the funds from those auctions, even though I have not authorized it. PayPal has charged my account for the cost of the item plus the shipping for a total of $60.61. My account is now in a negative balance state.

A customer purchased an item from me and paid me by paypal. She lived in Canada, and ask that I send it to a P.O. box No. in Michigan. She did not want to pay the extra money shipped to her Canadian address. She did not purchase insurance either. I sent her package on 4/5/08. Around a month later I received a letter from the Detroit Bulk Mail Center in Allen Park, Michigan telling me they had found an empty wrapper (it was actually a box) with my address on it. I filled out a long form and sent it to St. Paul, Minnesotas Mail Recovery Center. They said they would try to find out what happened to what was in the package.

I contacted the buyer of my package and let her know what was going on. I even sent her a copy of the letter the post office had sent me along with a copy of the shipping receipt and delivery comfirmation receipt. I told her that it could take a while for the post office to find out something. She didn't answer for two days. When she did answer, she wanted me to send her money back. I told her that's not the way it works, that we have to let the post office handle the matter first. She contacted Paypal, and paypal sent me a complaint form with her complaint on it.

They allowed me to tell my side of what happened. They sent me another e-mail and told me to click on their complaint department. They gave me a file number to use when I went to the complaint department. They gave me ten days to work this out. But when I went to communicate with them, I could not. The only thing they allowed me to do to work it out was to give them permission to send her the money back she had sent through them. I would not allow them to do this because I was waiting on a answer from the Post Office. I have sent them numerous e-mails telling them she did not purchase insurance to cover the package.

So Paypal gave her the money back anyway and charged my account which put it in the negative. Now they have turned it over to a collection agency wanting that money which I did not authorize them to send. This is going to run my excellant credit. Can you help and what should I do. The amount is only $41.75 but thats not what bothers me. Its what they did and the way they did it. I don't feel they did me right.

They are ruining my credit.

An email address was submitted informing me that a person had made a paypay purchase for an ebay product and pay pal wanted to know if I had authorized it and if not to click onto my paypal account to dispute it and that charged amount would be returned. Everytime I try to log on to the paypal account and dispute the purchase, I can not get through I keep getting an erro message.

I have also been noticing the discrepancy in total $ received. However, I go by the total amount shown as received on the email PayPal sends me (this has always been the same amount shown on my account page as well). The discrepancy is near the top of the page where I'm paying for postage.

If the email from PayPal does not show that insurance was paid for, then I do not pay for insurance. This discrepancy shows for Priority Mail, but (as of 6/24/08) not for Media Mail or Parcel Post.

Also on 6/24/08, I called PayPal and asked about this problem; they said it was a known issue and would make sure that my account gets top priority (yeah, right). So pay attention to the emails you receive from PayPal!!! If your customers aren't actually PAYING for insurance, there's no reason you should be buying it for them (unless that's your usual practice, of course).

It's a major annoyance!

I sold an item on ebay for 241.00 the item was shipped within 5 days of auctio the buyer complaint stated item not recieved the day after item was shipped. explained when item was shipped and buyer would not drop complaint, I sent all the information I could to the paypal resiolution center and they still gave the money back to the buyer. I have a perfect rating on ebay never any complaints from sellers or buyer and have sold and bought items for years under the same identity. the buyer on the other hand has had several complaints about item they have sold and negatives issued, but this did not matter.

Palpay believed only what the buyer had to say. I am not only out the item Isold but also 241.00 plus had to pay twice the paypal charges. I use to believe thast paypal was a great tool but all it does is controll your money i never even had a say in what happen to my money it was just taken away. the buyer on the other hand has the opportunity to send or not send the money now they also have the right to file a fraundulant claim and get thier money back with out the seller ever having a chance or any rights.

I sold an item on ebay, used software with license key. After 42 days the customer emailed me to let me know that she can not register it and I told her that the software is used and she can install it and I did not have a returned policy. So she filed a claim with paypal and paypal had her to returned the item and they are going to debit my account.

My complaint is that I didn't do anything wrong and the customer was able to install my program on her computer and/or copy my disk and return my items. Paypay did not get in touch with me regarding this resolution.

Discrepancies in total $ received. One screen show shows extra $ was received from the buyer for shipping insurance. Another screen shows a different total $ actually paid by the buyer.

A loss of $2 per shipment.....60 listing per week.....over a $100 per month. I cannot possibly be the only one this is happening to.

I sold a Coach bag and shipped it using Priority Mail international flat rate envelope to Malaysia. I have the receipt showing the post office received it on April the 25th at 5 p.m. He never received it. I went to the post office and they told me there was a huge transportation riot in Malaysia, maybe that was the problem. Paypal decided to reverse the payment. Took all the amount from my account including the fees they charged and did it in a way that I can't even recover the Ebay fees because it took them exactly 45 days to decide. I am supposed to have expanded seller protection where is it?

I paid for the bag, shipping, Ebays Fees, Paypal fees twice, all a loss out of my pocket with nothing back other than a huge disappointed on the system.

I sold an item on Ebay.com. Auction terms clearly stated as is and final sale. As per ebay's tos, bidding implies compliance by the buyer. Buyer decided he wanted to return the item after receipt; I declined. Buyer instigated complaint with Paypal, who didn't do any research whatsoever and decided to debit my account and give my money to the buyer ($75).

Paypal's email states that this has left my paypal account $75 in the negative and they intend to debit my personal checking account to retrieve the funds. I wrote them and expressly stated that they are NOT authorized to do so. Their email stated that if they could not retrieve the funds, they will send me to collections and damage my credit.

$90+ loss (including funds taken out of account and given to buyer, cost of shipping and all fees associated, plus loss of functional item).

After numerous calls to paypal's customer service, I am still in need of assistance and support. I have been a seller and buyer for 3 years, never had issues with paypal. Unfortunately, I encountered an issue with a transaction and have not been able to submit my case using the regular channels available from paypal.

On May 14th, 2008, I sold (via ebay) a notebook for 2,720.00. The buyer that won the listing provided an "unconfirmed address" so I decided to hold of on the shipment of the goods.

After, receiving payment, Paypal imposed a hold on the funds pending a payment review and investigation of the buyer. I received an email from Paypal saying that the funds were release and that the review was finished. I then proceeded to ship the goods as paypal had confirmed that the funds were legitimate. 2 weeks later, Paypal Debited my Paypal Account alleging that the buyer was fraudulent even after they held the funds for investigation and releasing them saying that the transaction was reviewed and it was legitimate. 2 weeks later they reversed the transaction. Called paypal and pretty much said that they made a mistake, that the funds were fraudulent. I advised them that I had overwhelming evidence (via emails from buyer) proving that the buyer actually received the items and that she knew about the transaction. They replied that the investigation was over that their desicion was final. The amount is for 2,720.00.

Thank you for your assistance in this matter.

A friend was having some severe hard times. Though my finances aren't that great either, I decided to send him $50.00 via PAYPAL to help him get back on his feet.

After a couple of weeks, of hearing nothing from him, I asked him if he received it. He said that his crummy pc had crashed each time he tried to register with PAYPAL, and so he hadn't gotten the money. After a couple more weeks, and attempts on his part, he decided that he didn't need it anymore. BUT PAYPAL would NOT refund MY MONEY to me!

How the hell can they just keep my $50.00 ? And worse, how much money in total, do they keep in a year, that is not theirs???

I immediately went to the Resolution Center on their website and submitted my explanation of this transaction to them. They asked me what the transaction was for and if my client recieved his item already. In my explanation, I told them that this transaction of $450 was for the use of three instrumental productions at $150 each. I also told them that my client, who is a professional R&B singer, is currently touring in Europe and he did conduct this transaction from overseas (even though he is an American Citizen and it was an American bank account). I also alerted PayPal to the fact that he had already recieved my product by the time PayPal flagged the transaction.

When I finished writing my response and submitted it to their website, I noticed that they ask for 30 days to settle any disputes. So I gave them some time to review the case. By May 18th, I had not recieved any reply regarding this dispute so I called in to their service center. I asked them what is holding up the process, and why was this flagged. They would not tell me why this transaction was flagged and only replied that they "have reason to believe this is a fraudulent transaction." They also told me that my client should have recieved an email from them and he should contact them(PayPal) to submit his explanation of the transaction. After getting off the phone, I emailed my client Glenn and instructed him to reply to the email PayPal sent him.

May 19th, less than 24 hours from the time I spoke to their customer service, PayPal decided that the "best action" was to permanently reverse the transaction. This left a real negative balance on my PayPal account in the amount of -$174.78 (this amount is less because a different client of mine had sent a payment of $270 minus PayPal fees to this account). After this had happened, I recieved an email back from Glenn that said that PayPal had never sent him an email regarding this situation.

I contacted PayPal's customer service again over the phone. Their representative told me that the full amount of $450 had been refunded to Glenn's bank account and that he should see it show up in his records within the next 3-4 days. The representative also said that I should contact my client and have him resend the money when it shows back up. And he instructed me that Glenn should send an email to their resolution center as soon as he sends the payment letting them know that the last payment was flagged and he is authorizing this payment.

I sent a few emails to my client Glenn to try what the representative had instructed me to do. Whether true or not, Glenn claims that he has not seen the refund show up in his account and refuses to make the payment again. May 29th, I recieved an automated phone call from PayPal letting me know that I should contact PayPal immediately. I called the number that the automated message provided and discovered that it was PayPal's collections department. They wanted me to either set a date that I will resolve the negative balance of $174.78 or else they will submit it to a collections agency. I told them that this issue would be resolved by June 6th and the representative agreed and made a note of it on my file.

As a result of PayPal's irresponsible actions, I have suffered from multiple damages including: 1. The loss of $450 and my product. My client already has his product, and PayPal gave him his money back also! I am left with no money and no product either from this transaction! 2. The negative balance held up a payment of $270 sent to me which was needed to pay rent for a recording studio that I am operating. I had to take the money out of my own pockets to cover the expenses while this issue is being handled. I still do not have access to my $270. 3. Now PayPal is attacking my credit score by threatening to submit this negative balance of 174.78 to a collections agency. I have a very good credit score, and this would be detrimental to my good credit.

4. Because of the situation, I am facing a possible loss of a big client. Glenn recently won [contest] as a singer and is in negotiations with a major record label. This could mean a lot of money coming my way if one of my productions is used for comercial release, but this may not happen now because this dispute has left my client upset and dissatisfied. 5. I have lost literally hours on the phone and on email talking to PayPal and Glenn in an attempt to resolve this situation. As of right now, my efforts have been futile.

On Ebay I paid $425 for an item titled 16gb iPhone. I received an item in the mail from the seller which was not an iPhone. The item was not an item that Apple iPhone has ever made. The item actually said HiPhone on the back. I sent it back to the seller and filed a claim with Paypal.com (the way to pay for an ebay item). Paypal has decided not to refund my money even though I provided written testimony and I also have pictures to prove it was not an iPhone. Now I'm stuck without an iPhone and less $425.

I have lost my $425 and the shipping costs to send it back with signature confirmation. I never received the as advertised 16gb iPhone.

Paypal froze my account, and they froze it due to suspicious activity. I never had any complaints and my feedback for selling on ebay was great, but then paypal contacted my customers and me saying the transactions might be fradulent. I don't know what to do.

My mortgage is past due, I have people who have gotten product but cannot pay me, I have no money for groceries or anything. I have people who are still waiting for product but I cannot buy it.

I sold a computer motherboard on an Ebay auction where I stated that the item was not eligible for return due to the sensitive nature of such electronics. The buyer complained that the item was defective and without asking to arrange for a refund or return, he filed a complaint with Paypal. The email address used on the payment transaction was not my primary email address so when Paypal attempted to contact me via email, I did not respond within the 10 days they require. Paypal refunded the purchase price with shipping to the buyer without ever having communication with me. I responded on the 12th day but it was too late. I have appealed this case twice yet Paypal has still not rectified this. The buyer has not responded to my emails requesting payment or return of my item. Now I am out the item and my money and Paypal is not helping at all. Paypal needs to review it's policies when an honest seller (99% positive feedback) gets the short end of the stick because of an unscrupulous buyer.

$75.90 which is the item price with shipping that was refunded to the buyer.

I was limited by Paypal for no reason on my account which is ruining my online sales on ebay and on my drop-shipping site that I use to raise funds for my nonprofit organization. I have told Paypal this, and they keep telling me to login and go to the sentence on the page where it says how to unlimit the account. I click on it, and it just says the account cannot be unlimited. All information they needed from that, I faxed to them and has been received, but they still won't unlimit my account. They keep saying I can only have 2 accounts with them which is all I have--a personal account and a business account.

However, they keep making my personal account my business account, and then they keep changing my information on it and limiting my account. Three years ago it was finally fixed; then a month later they limited it again. I have been trying to get my account unlimited for 3 years now. I am losing many sales by them doing this to me.

My Paypal debit card expired in August 2007. Paypal never notified me of its expiration. Paypal made no attempt to send me a new card. I finally had to request a new card in September. I AM RECEIVING ALL MY MAIL. September the card did not arrive so I requested a second card. In October the card did not arrive so I requested a third card, etc. In December I changed my address and confirmed my new address. I added a new credit card, verified/confirmed everything, and I requested a fifth card. In January the card did not arrive so I requested a sixth card. On February 22 the card still did not arrive, so I called and asked to speak to a manager. I was told I never applied for a card, and the woman operator hung-up on me. Called back and spoke to Melvin in Midwest call center who transferred me to manager Joey Dublin in Ireland. Manager Joey said the card was sent to my old address again instead of my new address. I completely removed all my old information from the Paypal system and requested my seventh card. I AM RECEIVING ALL MY MAIL; NOTHING IS WRONG WITH MY MAIL

This has absolutely hindered my business as I am unable to access my money immediately or make reservations. Cost me hundreds of dollars in time and money.

Last year I sold numerous used cellular phones on ebay that were once my personal items. Paypal came to me and told me that my activity was suspicious and they froze my account asking for copies of my social security card, identification, contact information for my supplier, and receipts for my items. I explained to them that the items were old and I no longer had receipts and that they were personal items. I emailed them my ID. I was told that this should not be a problem. Then they suspended my account indefinitely and froze my funds. Unfortunately those funds were to pay for the shipping of the items. 6months later I was sent an email stating that my money was available for withdrawal and my acct was eligible for closure. I withdrew my funds and requested an account closure BUT my money market acct deposited an interest payment of .20 cents but I can't withdraw any less than a dollar. I called them today and told them that I no longer wanted any affiliation with their company and I wanted my account closed. They refused. I told them that my social security number is attached to that account and I no longer wish for that account to be in existence. They refused again. I do not believe that paypal has the right to FORCE me to have an account with them wether limited or not. Can someone please help me?

I was forced to pay for shipping out of my personal money. Furthermore, I spent a lot of time arguing with customers that were sent emails stating that I was not allowed to receive money. NOT TO MENTION that I was forced to pay the ebay fees for items that I was not able to collect funds on.

My sister had an internet business and she transferred money from her paypal account to my paypal account to hold it temporarily until her dropshipper notified her to pay because they didn't pick up the money within the 5 day time line. She transferred the money back to herself once the dropshipper emailed her. Then they flagged our account for suspicious activity. I'm clueless - now they charged back the $759.00 back to me and told me to pay it out of my checking account. I had nothing to do with it, it was my sister, she transferred that money without my knowledge. I refuse to pay them. I had a PayPal account so a man from Canada could pay me for cleaning services I do at his timeshare. All this was just a temporary money transfer between my sister and I and somehow they cannot figure this out!

They are trying to take this money out of my checking account. I don't owe them any money and I don't know what they are talking about. I want to sue them

Paypal flagged a payment transaction between me and a client and hassled my client by asking him to verify his home address, alledging the trnasaction was possibly unauthorized This has created an embarassing situation for me professionally. My client simply wanted to pay his bill using paypal...and what he got was an invasion of privacy and a questioning from paypal about his personal affairs.

I chose paypal because it supposedly protected the privacy of my client as well as being convenient. When i called paypal dispute resolution I got a cheeky response with corporate double speak and excuse making, tellimg me it is for security purposes. By the way, this was a simple $600 transaction for services with no goods or shipping involved. Paypal has just lost a FEE PAYING customer. And their attitude was, who cares.

I placed two orders for $850 each (Order 2216 for $850 placed on Nov 21, 2007 and Order 2232 on Nov 30, 2007 for $850) for gasoline gift cards through website www.ediscountgascards.com and paid through PayPal by EFT from my personal checking account. The above business address is, as per website, but is actually a UPS store box. Business phone number is as per website, is apparently registered to Laverne ____. Seller discontinued contact with me (Buyer) shortly after second order was placed, and has not returned phone calls or emails. Dispute was filed with PayPal, concluding in a claim with Seller but was notified by PayPal that none of the funds could be recovered from the Seller's account. I have been notified by PayPal that contact info for this company cannot be provided without a subpoena or warrant.

For now it appears I have been defrauded of $1700 from this seller.

Paypal seems to be engaged in a policy of passing liability/costs for unauthorized use of accounts onto seller-victims. I recently sold an item on Paypal and was later told that the buyers payment may have been an unauthorized use of the account. The holder of the account told his credit card company (from which the funds were deducted) that the withdrawal was unauthorized. The CC company issued a charge-back to Paypal pending investigation of the withdrawal. Paypal requested from me information regarding the transaction. When questioned, Paypal said that if the CC company decides the account usage was unauthorized and the buyer is refunded his funds, then Paypal will expect me to refund the money paid me, although my goods were shipped and would be unrecoverable. Paypal policy claims to allow charge-backs for any reason, which would allow them to shift the cost of recovery from (a) the person who surrendered his account information to (b) the seller to whom Paypal transferred the funds. The CC company's investigation is on-going, but Paypal wants the funds returned.

Lost $1300.00 in goods and $117.00 in shipping fees.

Thirty days later I check my paypal account because I am expecting another 200.00 payment from another customer and find my account negative 249.99 and the pink issue banner at the top of the page. Well I went and looked at the issue and called paypal.

They said they sent an email, which I to this day have never gotten nor the next two they said they sent. I have since talked to them four times on the phone and gotten very tight lipped poor customer service. Four different stories about what is going on. The third time I called I finally found out that it was not the customer that filed a complaint or even was trying to reverse charges, IT WAS PAYPALS DOING all by themselves.

They decided thirty days later that the transaction 'did not look right to them'. Mind you that I have had over seven years of selling and buying using paypal even prior to their being bought by ebay and never had a problem. I have sold the same type of merchandise the whole time and for amounts up to 1000.00 so this sale was not something new for my account.

All I can get out of them is that it looks fraudulent. I asked if it was my account or the buyers account they told me no, that it was the funds used to pay me. What ever that means.

a week later the lady complains to paypal saying that she never received the item. I posted this item through the royal mail's special delivery service so she should of received the item the very next day. I also kept the receipts which had a tracking number. If you check this tracking number you will see that the item was delivered and signed for.

I provided the tracking number to paypal using their resolution centre. I even phoned them twice and provided the tracking number on both occasions and they checked the number over the phone and then said that it will be fine.

Despite me providing them with this evidence they never took the limit off my account and never contacted me to investigate the situation. They did not contact me before they decided to limit my account in fact all correspondance i have had is down to me going out of my way to contact them. That includes ringing them on a premium rate phone line.

Today i have received a letter from debt collectors stating that I owe paypal money and that I must pay it to avoid a visit from the bailiffs.
This is out of order mainly due to the fact that I am innocent. I have contacted royal mail to investigate this.
It is obvious that i got scammed.

What do I do now? what are my legal rights?

I sold an item on Ebay. The buyer paid me and Paypal put limitations in my account and hold the money for 180 days. I tried to lift the limitation providing everything they needed to lift the limitation but nothing worked. They said my account was a high risk and they had to keep my money there for 180 days.

The consequences about this whole thing is that I had to paid for that item out of my pocket I didn’t see a dime from that money and I got both my Ebay and Paypal account suspended.

I sold under the seller's name Goodwar on Ebay. In May of 2006 items were sold to buyers and the items were listed as is. One was a watch certified by jewelers to be a Cartier. The watch was listed as being for repair which means as is. We listed it as being no return and no refund. The buyer waited over thirty days to try and coerce a refund. They refused to send the watch back and then collected a refund out of PayPal. PayPal violated their own rules by not making the buyer return the item for review.

We filed a fraud complaint since watch was appraised at over $3,000.00. We made every effort to notify them that the U.S. Postal Inspector considered this fraud. They then turned it over NCO Collections Agency which is now calling every day, including Saturadays and Sundays. They refuse to give their address, and we told them to stop calling.

I sold an item through ebay to a man in Switzerland. They paid for the item with Paypal. The guy from Switzerland used his credit card to pay through with Paypal. Anytime you list a card with paypal, they do a verification process before the card can be used.

I mailed the item off to this guy who I didn't realize had an unconfirmed address with Paypal. After I notified the man that his item had been shipped, he immediately called his creidt card company that he has listed with Paypal that they're supposed to verify and stated that he didn't make that charge and that the card had been stolen. I called the guy in Switzerland myself and he said he paid it. Yeah, he paid it but then called and reported his card stolen.

Paypal refuses to give me my money that I've lost on this guy because they say his address is unconfirmed but yet the credit card was supposed to be verified by Paypal themselves.

I am out my software which is valued at 499.00 but was sold to the guy in Switzerland for 239.90. Paypal refuses to help me through the seller protection.

On December 21, 2006 I sold a laptop computer on Ebay I was paid thru Paypal and shipped the laptop as instruced by the buyer. Four (4) days later, paypal informed me that there is some descrapancy about the payment and suggested that I do not send the merchandise at this time. They said this would be a temporary situation.

After 3 weeks they informed me that they felt they needed to refund the buyr their money and that I owe them $415.00. Several times I replied to them saying that they will not get a dime from me until they return my computer. I sent 11 emails to the buyer and never received a single reply. Today, I received the thrid call from a collection agency telling me that Paypal has referred me to them for collection of $415.00.

Hassle on the phone by a verydetermined collection agency.

They Locked up my account without notice

I am a Ebay seller and a Paypal user. Paypal put a limitation on my account twice in 2 weeks. They lifted the first limitation off last Wednesday after i have provided them with my bank account number, credit card number, and tracking information for the items that i have sold on Ebay. Today, Payapal place a limitation on my account again. The limitation froze all of my money in my account and asks me to provide more private information such as Social Security number, proof of purchase of the items that i have sold, and tracking information. I was told I need to provide all the information they want or the they will not lift the limitation. Now, I cannot withdraw my money, I cannot do business on Ebay, and I have shipped the products to all buyers.

I was selling Playstation 3's and Nintendo Wii's online on Ebay, who by the way owns Paypal. Please keep in mind, I have a good feedback rating in Paypal after 5 years with them and I have a 100% rating for 6 or 7 years with EBAY with over 120 feedbacks. There is no reason to suspect whatsoever that I would suddenly start scamming people.

On my third item I sold on Ebay I did a transfer of funds to my checking account. To my surprise, Paypal reversed my funds back to my Paypal account without prior notice or warning. Paypal restricted my account from transferring funds and even reversed my last transaction because the items I sold were “high risk“. They asked me to provide all sorts of information after 5 p.m. on a Friday including tracking numbers, and requested I fax a copy of my license. Once I did all that, they had my status in review.

I called to find out what was going on and they again asked for the tracking number. This I found to be a ridiculous request because the tracking number they were requesting was in their very own transaction data they provide you when your checking the details of the transaction. After giving them the tracking number numerous times, they said they were going to hold my money for 180 days!

I call them and they said once they can verify that the customer has received the items, they will release the money. On day 6, the FedEx tracking showed the customer received the item. The customer even e-mailed me to tell me they got the item. Now Paypal's excuse was that the item was not signed for, even though the customer signature was on file. The customer service person said they would call the customer to verify they received the item. Apparently Fed Ex tracking is not good enough for them.

They have ruined my Christmas as they have now locked up $1300.00 of my Christmas money in their account. They are delaying my bill payments and are causing interest charges on my part all while they float my money. I have spent countless hours trying to get them to release MY money.

My item that was sold on eBay was paid for with a stolen credit card number from a hijacked eBay account. Paypal is currently holding me liable for the funds because the real buyer issued a chargeback through his credit card company and I did not ship to a confirmed address, according to Paypal (It was shipped to the Ukraine, per the hijacker's request, for his friend's birthday).

Paypal notified me that they are working on a resolution, yet I received a letter in the mail last Saturday from a collection agency stating I owe the $530 that was stolen from the eBay buyer. I sold an item on eBay to make money, not lose money.

None yet. Paypal states they are working to resolve the issue, yet I still get a collections letter.

We have a vehicle repair facility and use Paypal to process our credit card payments. Paypal froze our account and has kept what money we have while a "dispute is being reviewed". Paypal says this is due to a customer filing a fraudulent claim with the credit card company AND giving a fraudulent check in order to avoid a lien against the vehicle.

We have ALL the documentation and $6000.00 is involved. The customer never requested his money back from us. In addition, the customer is driving around in his perfectly fixed vehicle.

When we contacted Paypal, we were assured that Paypal would not attempt to take ANY money from our bank account until this was resolved AND it was proven we were at fault, which would take a minimum of 30 days. We are not able to delete our personal or business checking account information in Paypal in order to prevent them from taking our money "while our charge-backs are in review". We haven’t been able to accept credit cards since 11/17 and have fees on top of the balance. We need help. We’re a small family owned business and this could literally ruin us.

It’s bad enough that we have had to file a small claims suit against our customer for the bad check, but we also have to figure out how to get our $6000.00 from Paypal. Paypal has even blocked us from getting our own money that was in the account prior to this problem!

Loss of $77.50 hurts alot especially when I have bills to pay.

I sold something on eBay, the customer paid through PayPal. The item was damaged in transit, so I refunded the money through PayPal. A month passes and PayPal allowed a credit card chargeback from the customer's bank to hit my account. The amount in question is roughly $2300.00. Even after providing PayPal with proof from their own site (this makes no sense to me, its their company, they have records, look at my account and see that the refund was sent), they still keep telling me "It could be up to 75 days while we investigate this matter".

What is there to investigate? Paypal processed both the original payment and the refund to the customer. Contact his bank and give them the information of the transaction you processed. My account balance is -$2300.00, so any payments that come in while they "investigate" never make it to me, they just reduce the negative balance.

My business has come to a standstill. I cannot ship items sold or do anything. What is the point of being honest and refunding a customer if companies like PayPal don't recognize the refund they issued and take another $2300.00 from your account?

I refunded a buyer who had paid me, due to a problem with my merchandise. However, PayPal deducted the money from my account twice instead of just once. I received a payment for another item which WAS delivered and the buyer left positive feedback for me. However, Paypal said that I never "collected" my funds within 30 days so they deducted it. However, I did collect the funds. They answered one of my emails saying that they would look into it but never got back to me and never answered any other emails. This has been going on since last year.