PayPal Reviews

We paid most of it but had a small fee upon arrival to U.S. So, I made a listing and placed a 15-day handling time on it and to make sure I had plenty of product. My customers had no complaints about the 15 days. So, I did a transfer from Paypal to my bank so that I could pay the rest of my order. Paypal had limited my account because I had received a lot of SALES. Isn't that what I was in business for? They wanted me to show proof of delivery.

The listing had only ran for 3 days. My order was waiting on me to pay the fee and Paypal would not release the money. So, I wasn't able to deliver and it cost me my profit and more plus all the fees that I don't have because of what Paypal did without any justification. Someone was telling me that eBay and Paypal like doing this because they don't like the small seller anymore, they want the big box stores. I guess they forgot that it was the small seller that made them too big for their britches.

The rep on the phone had promised an easy and quick refund. What I received a week later was an email about one of the transactions informing me that: "We've completed our investigation of your unauthorized payment claim. As the payment was sent as part of a billing agreement, it is considered to be an authorized payment. However, as a courtesy to you, we have issued you a refund for this transaction."

So a hack of my account, a serious security breach, is just waived off by PayPal. They did refund me 1x 500 yen though, as a courtesy... I'll pursue this further, but my relationship with PayPal might not survive this.

Total = No Jewelry and -£6600 in debt.

I SHALL NOT BE PAYING ONE PENNY! DO NOT USE PAYPAL. I AM LOOKING FORWARD TO A COURT CASE.

As a consumer who is doing business with another company, I should have had my money in my account no later than 7/18. After repeatedly calling PayPal, as of today the money is not in my account. On top of the initial 3-5 business days, PayPal tells me that it is going to take another 3-5 days for the transfer. I think I would have been okay with this had my money went back into my bank account, but since the money has been gone for 7 days, I feel this is uncalled for. On Friday, I was told that my money would be in my PayPal account no later than the close of the business day on Monday (Today) and that if not they would trace where the money has gone.

I called today and was told that I needed to wait another 2 days before they could do that. In 2 days my money would have been 'Missing" for 10 days total, 8 business days. There is no reason someone should have to wait this long to receive their money and the customer service specialists should be rectifying this situation today and the money should be in my account, instead of making me wait another 2 days. Since it is not their money, they simply do not care. I will be writing the BBB as well and I no longer will be doing business with PayPal after a 10 year business relationship with them.

I advise everyone to stay away from doing money transfers. It is definitely a costly mistake as you may not receive your money for days. Very angry and unsatisfied with their business ethics. This leaves me with a very distasteful attitude towards a company who is holding my money. I am sure if I owed them money they would be contacting me everyday to get it and that is what I have been doing and I keep getting the runaround.

I immediately notified my bank to reverse the charges because I did not authorize them to debit my checking account. I had already been charged for the cost of the label so they had no reason to debit my account. When I called PayPal they indicated that the money I had transferred had not cleared my account and that was why they debit my account. I couldn't understand it because when I first attempted to print the label it wouldn't print because there were no funds in my account. But, when I printed it from eBay, who goes through PayPal, it allowed me to pay and print the label. So that's why I figured the transfer funds were available. PayPal isn't what it used to be. I closed my PayPal account immediately and my bank account as well and canceled the back-up credit card as well.

Second call, a few weeks later after another desperate circle around the site, after I lost the card I find no lost or stolen number to call until normal business hours. Talk about lost in the 60's!!! What kind of lousy outfit puts out a credit card without 24/7 reporting of lost or stolen? Third call, over a week after I reported the card lost a new card hasn't shown up, no emails telling me anything, not even an email of current new statement or new card being sent, nothing.

Another useless cruise around the cutesy site designed for second graders and now I can't even find evidence of my PayPal Extras credit card, balance, statements, nothing. I finally find a number to call attached to "details" of a charge listed on another section saying "balance zero" even though I know I have a balance so I call and am told this is GE bank, or something, and she knows nothing about PayPal or the site but says my new card was sent, they tell me the balance and put me back in the queue to wait another 30 minutes for another pouty bored sounding PayPal rep. who as soon as he heard the edge to my voice proceeded to type and ignore me.

I tell him I had reported the card lost a week or so ago but I wanted to make a payment this month but he's typing, not answering. I ask him, "is there anything I can do". He says "did you click on this or that link"? I say "yes, it says balance zero, but I know I have a balance". But this PayPal rep. that I waited over 30 minutes to talk to isn't answering, he's typing or texting. I can hear the clicking! Then he says something about finding the answer, "I'm not hanging up just putting you on hold". Then he hangs up on me by dumping in the queue back out of PayPal, back to the GE bank that had referred me to PayPal in the first place. If this wasn't such a disgusting waste of my time it would be funny, a pathetic comedy of inefficiency and rudeness from a huge long established organization supposedly a pioneer and leader in money transfers.

So since I'm talking to someone who seems to have a clue, not at PayPal mind you this is a GE bank rep., I request change back to paper statements so I can be done with PayPal forever and ask for the third time, "where is my online credit card information? Where do I go to make online payment"? to which she says, "When you reported your card lost PayPal wipes all the information from their site". WTF??? Not one of the PayPal reps had told me this, no where was it written on the site, no email was sent and even the last little texting punk I tried to talk to had said nothing when I clearly said, "Where is my statement info? I reported my card stolen last week but I still want to make payment". To which he said nothing useful, ignored me while he typed email or something then hung up on me.

Over an hour wasted waiting on the phone, circling that stupid streamlined PayPal site with it's grade school pencil drawings and I couldn't get ONE simple bit of information to my simple questions about my Extras credit card. There is no excuse for the lousy service, the pathetic site, the ridiculous wait time, the bored moronic reps who answer the phone at PayPal. I will throw the Extra card in a drawer. I will go out of my way to NEVER send or make a payment via PayPal ever. I will inform any business that uses PayPal that I will not do business with them unless they offer me a different way to pay.

Time passed and the product was retained in the customs for paying the customs fees. In the meantime, and against all my expectations, because I thought that Paypal was fully trusted, the resolution of the case is granted to seller, merely because he made proof of having sent, although the starting location does not match the advertised and I not have received the product, contrary to what is expressly advertised in the Buyer Protection Program, in which, case the Buyer does not receive what they purchased is entitled to refund.

The product, unclaimed, was returned by the Portuguese post office, which was then lost (not my fault I think) in the return path. The Deutsche Post sent me a document attesting the loss (meaning that their compensation would be delivered to the shipper, ie the seller). This document was timely mailed to Paypal, and they responded by saying that they had nothing to do because the case was now closed to them, and that I must contact the seller to resolve amicably the case. If I must contact directly the seller to solve the case, the Paypal serves for what? Note, however that the seller stopped responding to my messages. Concluding I lost 90.00.

Well then what is the reason for anyone even having a back up account? This makes no sense. If my local service station can see whether I have enough in the account to cover a purchase - why couldn't PayPal? If you have had a problem with PayPal, I would tell you to complain on Consumerfinance.gov. We need them to know how PayPal goes through their little loopholes to get money out of customers.

I provide them with proof of identity, proof of address, proof of delivery to buyer, and all invoices and sales documents related to transaction. That was not good enough as I then begin to get upset and send emails. This is all on July 2, 2014. On July 3rd PayPal informs me that due to security issues my account is being closed and that my money (almost $800.00) will not be available for 180 days. I snapped. I got into it with their limitations dept. but discovered some things. This person had no clue.

I then review all legal policies and agreements and nowhere in there does PayPal have the right to keep my money. Nowhere in there is PayPal justified in closing account (that really doesn't bother me) or sit there and keep my money. They state that with that last transaction they must keep funds in case of charge-back, dispute, reversal, etc... However, that transaction is completed and buyer has possessed merchandise for more than a month with no issues in existence. No justification whatsoever. They closed my account and their policies state that upon their decision to close if there are no disputes my money must come to me.

These companies feel that they can bully people without recourse occurring. I will simply file civil action in Federal Court right there by PayPal Headquarters and slam dunk them. I recorded conversations with that lame rep and documented everything. They have themselves receiving more than $22.00 on this transaction now they are attempting to keep my money and gain interest on it for 6 months. NO WAY!

You know what helps them in succeeding in these acts, the Better Business Bureau (BBB). This BBB in all cities give these criminally operated companies good grades if they merely respond when complaint is filed. They could provide unexplainable reasoning, but because they respond whether it is within agreement, statutes, policies, rules, whatever, they receive good grade for communicating. Most of the time these companies fail to communicate or are very rude and insulting, but as soon as you file that complaint they give appearance of compliance and very reasonable. It is a joke. The BBB is here to protect consumers and act as conduit between us, but they are only a stamp of approval for these companies to violate the public's rights and cheat them without remorse.

Unless we all stand together we will continue to fall down alone. Enough is enough and everyone needs to wake up and fight against these acts. Our government, corporations, everything is a sham. There is nothing good about our country and yeah, people will say well we have it better than this country or that country, but I don’t live in those countries. I live here and based upon the laws, rights, and protections in place. We are not supposed to suffer through the adversities we are forced to endure. I have continued to fight and it has affected my marriage, my children's lives, but I will not change who I am and what I believe. The day I do that is the day you will see me lowered in the ground or spread out to sea.

We have more power than we know but we give it to the crooked cops, judges, big businesses, to all these people that abuse what they are provided by the people and for the people. It is obvious, it is not hidden, but most people say well it isn't in my yard so forget it. Wake up, it could be anytime when you least expect it. Then you will regret not standing by your neighbor or that person that was too weak to stand alone. Persecution in any form is nothing compared to the reward you will receive in heaven. I am capable of helping others. The lord provided me strength to endure. If anyone needs help just reach out and I will come. If that means we will both face the outcome then so be it. God Bless you all.

I have not had any update, any communication from them though I have been more than willing to provide anything needed and have done so. I plan to sue them for fraud, defamation, slander and punitive damages causing health issues for me from the stress and upset over this entire matter as I have proven my case and they have not done one thing on their end. So I am planning to file complaints with every agency available and file suit as well. This will hopefully cost PayPal much more before it is over and I have the evidence to prove it.

PayPal has no problem paying for purchasing postage. Is postage really a virtual goods or is it a service? You are purchasing a printout of postage. Technically that it is not either one. You purchased a tangible goods, without it you cannot proceed to process an order of which you will have a resolution case opened for failure to deliver the item. Someday when the middle class is gone, the small will rise up in protest.

I accepted what happen and made sure to keep the account untouched since my banker informed me of my NSF and no transaction on their side. I was emailed on the 11th by Paypal explaining to me about my NSF and how they would try to process another transaction on my account for the funds. I made sure to have sufficient funds on my account simply to avoid this problem again. Their email indicated they would process the transaction in 3 days... That didn't happen.... Today 6/17, I get hit with another NSF and there are plenty of funds in my account. Talked to my personal banker to be informed that PayPal ran my card more than once. She indicated I had sufficient funds for one transaction, but they did more than one transaction.

I called customer service and the guy had a pretty crappy attitude. Talk about very poor customer service. I simply called to ask how to get off of Paypal and he wants to explain to me why "I wasn't happy...." That was not my question... All I want to do is inform anyone who reading this is to be prepared to get hit with plenty of NSF fees from your personal bank account if you are living on a budget. They do not process their payments as they indicate through email or bank account. They are going to add sufficient charges on your account on odd days after your original purchase. Took them 9 days to finally hit my bank account on the purchase.

I will never use their services again and I wish I would have read their reviews... Seems like they are not the best company to use..... Plenty of negative reviews....

I immediately sent emails to the Sellers and notified them as to what had transpired, yet none of the Sellers acknowledge my request and told me to contact Paypal, and when I contacted Paypal another Supervisor said to contact the seller and when I contacted the seller they said the transaction was good and the item is being sent and AGAIN told me to contact PayPal. One seller sent the following to my personal email address (After speaking with a representative there she informed me that you were refused use of a coupon that monetarily didn't qualify for the purchase from me). I called Paypal and spoke to supervisor Natalie. I was not refused on website that is the problem, she went in the fact that the promo code I used uses Paypal logo but it not actual a Paypal prom code (what?).

I ask her to have her customer representative to stop slandering me (saying I did something wrong). She would not, told me to work it out with the Seller. This is latest from a seller (I apologize for the inconvenience however we did not receive any message from you to cancel this transaction. The order has already left our warehouse and we can no longer stop the shipment. I apologize for any inconvenience this has caused for you). So as it stands today my credit card has been charged for all 25 items at full price and I'm stuck with this situation. So if you use ebay and Paypal website to purchase an item, beware what you are provide on the website for total price is not always what you are charged on your credit card. No one looked into the possibility of them having a issue or issues with the website. They immediately started accusing me of wrongdoing. It's a shame in this day and age this exist. Battling Cancer and other health issues, it's just a shame the way people are treated.

I have updated Credit Card information, done all and took all necessary procedures proving my Identity. Next comes to follow, My son's money is now missing of a very large sum. When disputing all this, they tell me they will hold this money up to 180 days where I see they have no given right to do such. The General purpose for this deposit through PayPal for sole purpose not to deal with banks. As it stands, I cannot close out the account nor do I have any knowledge of where thousands of my son's dollars has gone.

As Far as I am concerned, the practice of PayPal and investors associated with PayPal should be shut down permanently. I like to say what is truly on my mind being I will be the Gentleman on my son's behalf. There has to be some firm of attorneys that can pursue these matters with PayPal As I see Unlawful practice. They are stealing others' money not thinking twice of it. There is no way one can deposit funds into such a business to have more complicated situations to withdraw or cancel. I feel for many who trusted them to be fooled and taken.

Well, today is supposed to be payday with my $100 and guess what? The money still isn't in my account. I just got off the phone with them and it wasn't a pretty conversation. I did talk to a supervisor and asked why I wasn't contacted. She said someone did try to call. I told her that was a lie and why didn't they leave a message, etc. Now they're saying I'll get my money on Thursday or Friday. I absolutely hate this company. When you pay for something, they take your money at lightning speed but the refund process is a disgrace.

Per PayPal's contract the item was false and or fraudulent and not what I ordered. No one cared after speaking to 6 employees from PayPal. They have a new by-laws that supports that buyer is responsible for cost of return. In this case $43 USD for a tracking #. So I have a total Chinese phone, lied to, no Google, no Play Store, no US apps. A great knock off for someone Chinese and to get my $80 back I have to pay an additional $43 and mail back to China to get my original $80 back.

I take apart laboratory equipment for a living mind you..... Am extremely experienced with electronics which is what infuriates me even more. PayPal was just nasty on the phone too and very defensive. I would imagine they are constantly getting yelled at based on the hundreds of reviews here. I am still forced to use it when I use eBay. More recently I sold an iPhone and a month after the buyer received it he opened a dispute and his funds were removed from my account before I could even respond to the complaint. I sent PayPal the delivery confirmation but they said I did not use the right kind of tracking (yet the delivery was confirmed at the buyer's address).

Only after telling the buyer I had placed a GPS tracker in the phone in case he tried to rip me off and was coming to his store in NY to talk to him did he withdraw his claim. He was trying to pull a fast one on me by cheating PayPal's own system designed to protect buyers. Why are there holes in PayPal's system this big allowing people to get away with things like this on BOTH sides as a seller and a buyer? Seriously this is a corrupt company and congress should investigate them.

It was Greenpoint Savings which no longer exists. They were awful too. Because my money was double drawn, my bank was charging me $6 a day until I would be able to get my account back current. I only had $250 in the account and was unemployed at the time. I would call the bank. They would refer me to PayPal. I would call PayPal and they would use scripting, genetically telling me I made the transaction so I was responsible. I ended up being sued by the bank for Corey fees and all the money around $1200. Which ended up being garnished from my pay and charged interest. Took it as a lesson to Never use PayPal again.

Recently, I bought a micro SD card from a seller which advertised a 64g card for $13.95. It really was too good to be true. The seller sent me a 4g card. When I contacted him, he said, "No problem. Send it back and I will refund you the money." I didn't want him to send it to PayPal because they would put it into my old account in PayPal. I tried going through eBay but apparently, if the seller only accepts PayPal, when you have a problem, you have to deal with PayPal. So now I got screwed, once again by PayPal. I will NEVER DEAL WITH PAYPAL AGAIN. THEY are a big company and know how to manipulate and take what they want from the small common person. I will be probably be closing my eBay account as well. They support these thieves. I don't need eBay now that Craigslist and Amazon are around.

When I logged into PayPal it stated that they would not release the funds for 21 days. I contacted my buyer and asked that he leave positive feedback to show he was satisfied with his purchase and that he had received the goods which he did. I contacted both PayPal and eBay to ask that they release my money and they have refused to do so and will offer no explanation as to why other than "it is part of their policy". While I understand the security measures in withholding payments for postal services I fail to see why they need to hold money for completed sales with positive feedback left. Unless I am overlooking something the only reason for doing that would be to earn interest on my money. I am very angry about this. I hate being ripped off!

January 4th 2014 - The seller sent me an email with tracking from USPS. Details Type of Service: Priority Mail International Flat Rate Envelope. Label Number: **. While I was upset, the seller used USPS. I understood that the sale was processed by the seller's staff while he was away on vacation. January 20th, 2014, I wrote to the seller: "Can you please help check why the shipment has been stuck in Chicago?" The other shipment (**) has reached Malaysia on the 14th... I got no reply from the seller.

January 31st, 2013, I wrote to the seller: "This is the second attempt I am writing in regards to this issue. The shipment ** is still in US and has not left Chicago to reach Malaysia. Honestly, I think this is unacceptable considering today is the 31st of Jan and it was shipped out on 3rd of January. The last update was on 27th January which says it is Processed through sort facility but that was the same update on the 13th of January. When I tried to contact USPS, they requested that the sender checks with them. As such, please speak to them about this..." Seller replied on February 2014 and says - "I am sorry but there's nothing I can about this we are at the mercy of the USPS postal system."

February 14th, 2014, I wrote to the seller to say, "Just to let you know that this order made in the last week of December 2013 has yet to be received by me. I am disappointment with the delay because I had requested to use FedEx when I made the order. I understand that you were on leave and that resulted in the shipment being done by USPS but it is today the 14th of Feb and last status says it is still in Chicago. The cables and plugs are urgent. Is there nothing you can do to find out from USPS what is going on? Do understand that at point of writing, I have paid for goods which I have not received..." No reply received from seller.

February 24th, 2014, I wrote to seller and told him Still not receive my order. I am very disappointed. I need to raise a PayPal dispute as I have not received them yet. Seller responds immediately: "Look I have no control over USPS now if we screwed up then you can raise a dispute, it's not our fault." February 24th, 2014, A case is raised to PayPal over non-receipt of items. Case # is **. February 25th, 2014, Received an email from PayPal with an update to my case which said, "The seller responded to our request for shipment tracking information. We still need to investigate and confirm this information, but we wanted to share the seller's response with you: Tracking Company: USPS. Tracking Number: **. No further action on your part is required at this time. We will continue our investigation, and contact you with any updates."

March 11th, 2014. Receive an email from PayPal: "We are writing to let you know that we requested additional information from the seller about this case. We'll let you know if we require additional information from you." Another similar email was received on March the 19th, 2014. March 23rd, 2014 - Receive an email from PayPal: "In response to your claim, the seller has provided proof of shipment indicating that the item was shipped to you. Because the seller was able to provide proof of shipment, we cannot reverse this transaction or issue a refund. We encourage you to continue to work directly with the seller to amicably resolve this matter."

March 24th, 2014, I call PayPal to tell them that I was disappointed that they closed my case without my feedback. I asked them for an email where I could send all email communications with seller and USPS. I sent a total of 7 emails with my evidence. The main one being that tracking number in dispute was ** and not **. March 26th, 2014, I forwarded an email from USPS to PayPal. In it I write, "Please see reply from USPS which says it is seller's or shipper's duty to check on a shipment. As I've mentioned and shown via forward email day before, the seller was not willing to help in trouble shooting my shipment."

March 30th, 2014, I receive an email from PayPal with subject Resolution of Appeal Case # **. It said, "The seller has provided valid tracking information on the above case. As a result, your appeal can not be granted at this time. We encourage you to contact your seller for resolution. We value your business and regret that you have had this experience." I wrote back to PayPal with 2 key points, that I have given evidence that seller was not helpful. March 30th 2014 Paypal replies to my email to say, "Having reviewed the information regarding your case, I acknowledge that you have appealed the case; however, it was denied as the tracking information shown the tracking number was for your transaction. I can see that you have claimed that the tracking information was for another transaction; however, as per checking, we can only see one transaction being made to the seller."

Summary: I am puzzled here because I had given PayPal the details of both transactions and they can only see one transaction? I am also puzzled because at the end, I paid for my goods and raised a case on no receipt and PayPal has found the seller not guilty?

However, we CLEARLY STATE our return policy under each listing that these electronics are ONLY returnable in NEW condition, not used. Incubators are used for the purpose of culturing pathogens in labs (including for the brooding of eggs) for the simple reason that they provide an IDEAL environment for growing bacterial cultures. Once they have been used, we cannot with good conscience sell them to the next customer.

For this reason, the manufacturer of these items put in place certain policies that restrict the sale of used incubators by their Authorized Distributors. Not abiding by these rules would jeopardize our Distribution Agreement. We had hoped that our policies that are clearly outlined on eBay offer us some protection from customers that are out to abuse the system. But no matter how hard we tried - and given ALL the supporting documentation that we supplied PayPal with - our efforts have been ignored.

This was the worst credit card processing institute that we have ever had. They just made your payment process in the bad scenario to your customers. Now we are applying the merchant with other reliable credit card processing institute. Their services were so prompt and followed so well. Like them better than PayPal.

I ended up having to take several hours phone time and after finally getting a hold of someone at the IRS; I now find out that PayPal rejected it and now the IRS has to send it in a check which can take up to nine weeks total. I am so upset that the only thing PayPal offered me as a means of making their wrong right is a $10 credit to my card. REALLY! I spent more than that to purchase it and load it. PayPal needs to employ competent workers who speak the English language fluently. DO NOT TRUST PAYPAL REPS. ASK-ASK-ASK-and ASK again to confirm any info. Mind you will never speak to the same rep twice and no supervisor has a direct line so if you need them again - you're screwed! I would not recommend this card to anyone!

I am writing this letter to hopefully put an end to the ongoing scams and to share some of the horrible experiences customers have faced when dealing with eBay and PayPal. I am hopeful that this letter reaches the right person/people and doesn't get tossed to the garbage like other letters. As a eBay store owner since 2005 I have sold many different items but took pride in the fact that my feedback rating is 100% positive. I am in excellent standing with eBay and am actually owed a credit. I am not the only one, in fact there are thousands of unhappy customers who share their experience on forums such as Consumeraffairs.com, Ripoffreport.com, BBB.com (Better Business Bureau) and many other consumer websites. I suggest you Google eBay and PayPal scams and you will see countless websites and pages of very unhappy consumers.

I never take the time to write to businesses but I feel that eBay and PayPal are allowing scams to continue while the innocent, hardworking people are being taken advantage of. All while receiving no help whatsoever from customer support from both companies. Before I continue, I must say eBay has poor customer support but PayPal's customer support is absolutely atrocious. Generic responses, one-worded answers, or the lack of email communication. I can go on and on about my negative experience with customer service but I feel this letter is more damaging and important than poor customer satisfaction.

One scam currently in the works is the buyer just stealing from the seller. I have read countless horror stories of innocent buyers being scammed while PayPal allows this type of behavior to continue. For example, a buyer buys a computer for $750. The seller promptly sends over the computer to the buyer and right away the buyer files a dispute with PayPal stating the computer is defective, not as described, etc... PayPal will then tell the buyer to resend the computer back to the seller and they will be issued a refund. Meanwhile the seller is livid because he/she knows the computer was in perfect condition and that there was no refund warranted. 4 days later the seller receives a box filled with garbage and no computer. The seller furiously calls PayPal and explains the situation, after being transferred to multiple representatives the seller speaks his/her mind. The seller is told that the box was tracked back to them because USPS tracking shows that and there is nothing they can do. That leaves the buyer with both the money and the free computer. Now the seller is out $750 and nothing can be done about it.

15 year-old Adam ** of Fresno, CA, recently received a new Apple iPad and then decided to sell an old laptop he no longer needed. The teenager listed the item on eBay, using the auction sites Buy-It-Now feature, for $500. Someone bought it immediately. The second email appeared to be a payment confirmation from PayPal, stating that the buyer had sent the $500 (and presumably a shipping fee) to his account. He and his mother scrambled to send the laptop but missed the deadline for overnight shipping. That's when they took a step back and realized they were almost scammed. The family reviewed the PayPal email. They noticed numerous spelling mistakes and grammatical errors that PayPal wouldn't permit in an official company email and a big red flag for a scam. After more investigation, he and ** confirmed the buyer was a con artist. If the scam had been successful, the buyer would have received his laptop without paying a cent.

Paula from Florida entered a website that required credit card info and I backed out. Weeks later, I found out I was billed by PayPal. I was livid! I do not need a third party to pay for my purchases. I have credit cards. Now here is the thing about PayPal, I had so far two occasions where the site I visited decided to charge me for the experience. Each time I disputed the charge with my credit card company and I was reimbursed. It seems if you have an account with PayPal, even if you never used it someone somewhere can bill you for something. On Ripoffreport.com, PayPal has 2,381 negative reviews and I am so happy I followed my gut. Any transactions that required PayPal ONLY I ignore. They will take your money but proven wrong they will work over time to keep it. I have never lost a penny to PayPal and intend to keep it that way! PayPal is Useless.

The next two examples make me so angry it's hard to type the words, since it happened to me. I had been an eBay and Paypal member since 2005 with zero disputes and %100 positive feedback. I had my own eBay store and I found it to to be a great money-making hobby. In late October, 2013 I had purchased a Bitcoin from a buyer who had very high ratings. For those of you who are unfamiliar with a Bitcoin, it is an open-source, peer-to-peer digital currency that can be used globally. In other words it is online cash that can be spent for tangible or intangible items. I see this listing for 1 Bitcoin which was being sold for half the current market value. Now when it sounds too good to be true, it usually is, however, next to the price was eBay's Buyer Protection Guaranteed symbol. So I went ahead and made the purchase using PayPal as the payment method. Right away the buyer asked me to give him positive feedback before he sends the paid for item. I told him I would after I receive the Bitcoin I paid for. I then started receiving personal emails from this seller asking me to give him $1000 for 6 Bitcoins. I replied, first send the one I paid for then we can discuss further business.

Well the item never came and I called eBay to find out what to do. I spoke to a friendly, yet ill-informed customer service rep who instructed me to call PayPal and issue a stop payment with an escalated dispute. So following the instruction of my eBay rep, by calling PayPal and initiating an escalated dispute, I submitted the evidence I had, the shady correspondence between seller and myself, the transaction information (all transactions are linked and verified by Bitcoin's block chain (website Blockchain.info). The customer had an eBay account in California but two PayPal locations; one in Peru and the other was somewhere else in S. America. After submitting all this info, being a loyal customer for so many years, never being involved in any disputes or complaints, and submitting clear-cut evidence... I was scammed. PayPal somehow ruled in his favor. I called eBay and asked about the buyer protection and their response was, "We must stick with PayPal's decision," even though I was just instructed to call PayPal and begin a dispute.

In November, 2013, I started selling Bitcoins on eBay, Buyers were buying and my PayPal account was rising. In about 3 had about $9,000 in my PayPal account. For a bartender who works two jobs, I was ecstatic. So I kept buying and selling, not worried one bit because eBay protects their sellers, guaranteed. First week of December I was hit with my first dispute. Turns out someone purchased my item using an hacked account and the funds were returned, so I was down $350. The next day I was hit with another dispute, same issue, buyer was using a hacked PayPal account, this time I lost $500. 3 times that day PayPal wrote me an email saying I was involved in a dispute. Either buyer used hacked accounts or stolen credit cards. This kept happening until my account was down to negative $850 (I withdrew $850 from an actual buyer, so I thought). To top it off, eBay charged me hundreds due to seller fees.

The way John Donahue and David Marcus (CEOs) are allowing these companies to run are ridiculous. I for one, will not use PayPal for any payment methods. They're allowing these parasitic scum steal money from hardworking citizens. I was absolutely disgusted by the way customer service treated me, it was an outrage. I say we put a stop to this with the signatures created and tell these two corporations, enough is enough. Too many people have lost money and if they can't figure out a way to protect us users, then we we will fight with our class-action suits or multiple civil suits. We cannot sit back and allow this to happen anymore.

I tried using MoneyGram as a way to retrieve 200, but never worked. PayPal kept telling me it was their security system and they could not overturn. I finally made it back home, and tried again, and spoke with someone that said he could override system, and I was able to withdraw 190 from account using MoneyGram! What the hell? And I slept in my car. Their customer service sucks, should be open 24, and I am thinking of starting my own business to compete with PayPal. I just read the article in Forbes, and I truly believe I could develop much better system. Watch out PayPal, move over, here comes a true paying service that doesn't hold your money.

So now I have no money in my bank account to use because they have a reserve on it. I can't use my refund issued. So I'm just out the money until they decide to release it! I am now unable to make a purchase at all, because they taken the money from my bank account, and are holding my funds from the refund issued! I feel this is unfair to consumers, since they are guaranteed their money! My money is all tied up with PayPal and I'm just stuck at their mercy until they decide to release my funds! I am now looking for other options to use instead of PayPal so I can actually have access to my own money!!!

I would really appreciate it if you would personally read this. I have tried now for weeks to get this matter straightened out. PayPal admitted to making an error on my account which affects my eBay standing as it shows 2 cases open and unresolved.

Aaron in your executive office provided me with a refund for a buyer who violated multiple policies and sent the items back damaged. When he closed the cases they were left not in my favor since the money was refunded. It seems that even though I was instructed not to reimburse this buyer or return the items by both PayPal and eBay, PayPal will automatically close the case in the buyer's favor no matter what which triggers eBay's system into reading it as an open unresolved case thus resulting in strikes against my account. They can't do anything on their end since it was opened through PayPal. I was assured by Aaron that this was a mistake and would be taken care of. All of the conversations are taped, starting January 3rd.

I then received a call from Andy in the escalation department saying that this is indeed a problem which needs to be corrected but for some reason can't be done in my case. He thought he could reopen and then close them in my favor. My record shouldn't be tarnished and am sure if the CEO says to fix something, it will most certainly be done. eBay has told me that if the buyer had tried to open the case with eBay it would have been rejected since they went against eBay policy. The Resolution and Appeal Departments both said, had the case been opened somehow through eBay, they could have easily fixed it and taken them off my account.

My question is why can't PayPal do the same. I am now going to have this on my record for 12 months plus a diminished score all for something I didn't do. I followed what both eBay and PayPal instructed me to do and the buyer who was in the wrong and violated PayPal policy seems to not only get her money back as well, but nothing happens to her account, just mine. The buyer sent verbally abusive emails and bought another item with ill intent. No investigation took place, nothing was reviewed even though I provided proof. If the buyer returns the items damaged and doesn't get refunded by the seller they win, PERIOD. This is not acceptable for a valued customer who makes money for your company and I shouldn't have to spend countless hours trying to clear my eBay account for something PayPal did.

Please give me the courtesy to look into this. I am sure you didn't become CEO by accepting things that are fundamentally wrong. It is easy for PayPal to go about their business but I will have to look at this for 12 months knowing I did nothing to deserve these negative strikes on my eBay account. I have worked very hard to attain a perfect record and It shouldn't be swiped away in a matter of seconds because of a system problem.

I try to get in contact with customer service. The first call I made to PayPal I ask for a supervisor and she told me that she wasn't going to waste my time. The second call the same day, I was on hold for a supervisor 53 mins and 35 secs. Third call the same day, the operator tells me to take it to small claims court. The fourth call I was on hold for 20 mins and the call was disconnected by PayPal. The fifth time so-called supervisor transfer me to one of her operators and she was going to stay on the other line to listen, don't know why she didn't want to speak with me. I was asked to sign a form and go to my local police dept. and file a police report for PayPal mistake.

My only question was to all the times I call them, how did he win the case without proof of both items returned back to me same way I send it to the buyer. PayPal only has on record one item returned. I shouldn't be wasting my time to file a police report or a notary letter for PayPal mistake. Common sense, I sold two rims and I'm supposed to get two rims back and buyer only provided one rim and the refund was fully returned to him. Wow what customer service I received in just one day from PayPal.

I mailed many times the images and total bill to PayPal which the buyer ordered. Also, I am not responsible for any damage. She can contact UPS once there is no option for supplier, only for buyer in PayPal. PayPal "investigates" the claim and makes a decision that I am at fault. How does PayPal make a decision without proof?

We explain this to PayPal and the customer, but she want her full refund including shipping and handling charges. PayPal ruled in favor of this lady and refunded $87.00 without hesitation, investigation or anything. I'm extremely disappointed because I work very hard on each sale that I have, and it's unfair. They just took my money from my account, I lost my product and my money. This is very unfair, and the customer service they are not willing to help.

Buyer bids for item, but doesn't want to pay for shipping, we agree to cancel. eBay informed of cancelled sale, PayPal withholds foreign buyer's funds and had to wait 45 minutes on phone to reach agent to get them to release his money that they have been withholding for 12 days with no explanation. Delayed clearing on funds paid for purchases through PayPal website, it should be more automatic as debit cards since there is cash in the account.

I wanted to add funds from the bank account to PayPal and it asked for additional information which was supplied previously and automatically locked my funds and won't release them, also a loss for items previously shipped. Excluded are processing FedEx damage claim & buyers who want discount or threaten to return item for full amount. How anyone can do this for years/full time, it is surely a mystery.

So, PayPal made an obvious error in their analysis and will not acknowledge their mistake. I am now obliged to take legal action against PayPal. I'm obviously very disappointed with PayPal.

- Nov 20, PayPal informs me that the documents did not sufficiently follow their guidelines. They state that the documents must be on letterhead that includes the name, address, phone number etc... of the organization conducting the review. The police report came DIRECTLY from the police department on police letterhead with the phone number, address and the name of the reporting officer. This was the final blatant lie by PayPal.

Subsequent attempts to contact PayPal have received no response. I am at a complete loss as to how to deal with this situation. I can't imagine a more clear-cut case than mine. I provided the exact documents requested by PayPal respecting their own deadlines. PayPal initially lies about not receiving the documents, then they lie that the documents are invalid despite the fact they contain all the information requested. I'm still trying to contact PayPal but have no idea how to force them to respond.

1. PayPal only forwards consumer requests to their suppliers via email. The suppliers apparently pay a fee to Ebay (PayPal is a branch of Ebay and it appears that Paypal's allegiance is with their advertisers who pay the bills).

2. Paypal's agreement with advertisers does not allow them to impose settlements on Ebay sellers. However they can easily impose settlements on purchasers by refusing to take action.

3. Paypal's "thorough investigation" does not include consideration of photographs taken by purchasers because as stated by one representative, "You could doctor or falsify photographs. "

In the end, Paypal advised me to return the item for a refund. That would have left me with a $75.00 return shipping fee and $145.00 in unused replacement parts. The only good advice I got from PayPal was to file a dispute with my credit card company as they have a greater ability to deal with dishonest suppliers. The bottom line in all of this is that Taddwholesalesupply did not honestly advertise the item and Paypal was disorganized and unable to fairly represent buyers. My response has been to cancel my Ebay and Paypal accounts and to turn the dispute over to my credit card company. My advice is to not deal with either Ebay or Paypal.

By this time I figured I'm being played for a sucker. I filed a dispute with PayPal. After some more back and forth via e-mail, I faxed all the work orders From Costco tire center to PayPal. I had to do this three times. They keep saying they never received the faxes, although they sent e-mails acknowledging that they did. PayPal ruled in favor of SD Wheel Corp. Now I have three good wheels and two bad wheels (I paid for five wheels). All I wanted was four good wheels. Looks like I got doubled on this one.

This was news to me, and the buyer never contacted me directly via personal email, eBay, or PayPal, to resolve and dissatisfaction. MORE SO, THE BUYER KEPT THE ITEM! I provided PayPal with proof of delivery and my comments on the transaction, as well as zero communication from the buyer. On September 23, I called PayPal to request an update of the chargeback case. A very pleasant PayPal customer service representative informed me that the chargeback request was very unusual, thin and baseless. She reassured me that PayPal would defend me as a seller with perfect record, and that "We (PayPal) have your back."

On November 4, some six weeks later, I received an email that PayPal would not contest the buyer's chargeback request, and that PayPal had taken $600 from my account!! From November 4 to November 11, I called PayPal on three separate occasions to request that PayPal honor its Seller Protection Guarantee, as the transaction was eligible for protection, and I had provided sufficient and thorough evidence of having satisfied all of the eligibility criteria. ON ALL THREE OCCASIONS, PAYPAL CUSTOMER SERVICE REFUSED TO DIRECTLY ADDRESS OR ESCALATE MY REQUEST AND CONCERNS. All three representatives apologized for the inconvenience, stated that they understood the situations, and that there was nothing more that could be done.

PAYPAL REFUSED TO HONOR ITS SELLER PROTECTIONS AGREEMENT, and now I am in the process of suing Paypal in small claims court. In addition, I have filed a formal complaint with the Better Business Bureau (BBB) in San Jose, CA. I will not stop pursuing this case until PayPal returns the money it stole from me.

There is no protection with this company. Anyone can pretty much request their money back and get it no questions asked. This is by far the worst customer service and company I have ever dealt with. They don't protect or care about their customers. All they are interested in is making their own money. I am closing my account with this company indefinitely.

I originally opened an account with them to make it easier for my parents. I'm terminally ill and they have assisted me financially. PayPal fees were far cheaper than Western Union. Then I decided to use PayPal to start a home assist company. Got the Business MasterCard. Linked my bank account and everything was great. Then my cancer came back, too sick to work I had to close out my bank account. PayPal has now "deactivated" my account with a balance of $120.00 due to what they call "atypical activity". What the hell does that mean?

They want "proof of address", "proof of business via receipts", proof of identity. Meanwhile, I am without money for medication. They stole from me. After reading all the other complaints on here, now I'm scared I will never get my money back. This is my thought: CLASS ACTION LAWSUIT. Please, I need any response or suggestions.

After 20 minutes, requested a supervisor and waited another 20+ minutes. Someone finally came on line who should never be allowed to talk to a customer and asked why I hadn't tried a different browser (was using Internet Explorer). Finally re-signed into EBAY and then PAYPAL to complete purchase. THE TOTAL EXPERIENCE WAS THE WORST I'VE HAD IN 75 YEARS! NEEDLESS TO SAY, THERE WILL BE NO MORE EBAY/PAYPAL TRANSACTIONS EVER. GOD BLESS AMAZON!!

I never received an order acknowledgement or any communication from Mule Hollow and tried unsuccessfully to contact them via email and phone. Since Mule Hollow never processed my order I figured that I had no reason to be worried about this transaction.

On September 12, 2013, I received notification from PayPal that my August statement was available. It was then I realized that PayPal had actually paid Mule Hollow Supply on July 25th. I immediately contacted PayPal via their Resolution Center and received an immediate pop-up reply that my situation did not qualify for their resolution. So I immediately contacted them via the contact page of their website, explained the entire situation at length, including referencing their email to me stating: "You authorized a transaction to Mule Hollow Supply. Money won't leave your account until Mule Hollow Supply processes your order." Within a short time I received a vanilla form email response outlining answers to a menu of FAQs on disputes and problems. Essentially, they blew me off.

Since then I have researched Mule Hollow Supply on the web and have learned that 1) their website URL came up "Under Construction"; 2) their URL for the advertised item I purchased is also "Under Construction"; 3) the "Businessprofiles.com" website for Mule Hollow Supply shows "Status: Administratively Dissolved"; and the "Knoxnews.com /news/2013/may/22/bankruptcies website, listing bankruptcies: April 22-May 21" , Chapter 13, lists: "Stephen Blackstock (fdba Mule Hollow Supply), Knoxville". So Mule Hollow Supply was bankrupt, out of business, and their phones and website and email were shut off a full two months before I placed my order.

PayPal apparently violated their own policy and their email statement to me regarding not releasing any funds until the order was processed. How can I find out if the seller processed the order or if someone at PayPal acted on their own? Where did the funds actually end up? What recourse do I have against PayPal to recoup the funds?

Paypal customer service is full of idiots, and the company itself is fraudulent for allowing this to go on. The consequence is that I have essentially paid for an item that I never received, and I can't get my money back it seems. Further to this, the inconvenience of returning the item cost me half a day of work. Paypal is not willing to do anything to ensure that its customers do not have their money stolen by dodgy eBay sellers.

It would seem their security is pretty lax, but then every financial specialist warns against using PayPal, so I guess I should have stuck to my views. I will never use them again.

PayPal is in essence responsible for stealing the items I have sold and shipped to persons across the country. I will now miss a truck payment causing me considerable problems. PayPal is non-responsive to requests regarding alleged negative issues. I request a full reimbursement of all funds being stolen by PayPal and all fees. PayPal has collected through collection of these payments as they are failing to supply the service they were used for. I request all of the above prior to the 180-day time frame that PayPal is suggesting before "allowing me to attempt to recover my funds". I will leave this with the BBB and other related sites before I seek legal assistance and charges of theft.

Later I get a message saying that because I "took too long" to verify my bank acct PayPal went ahead and returned the funds to the auction winner. I contacted the buyer regarding PayPal payment problems and offered to forward the email they sent me. No response. I attempt to contact the buyer several times and still nothing. Combination of both ** PayPal and dishonest buyer that I paid for shipping on the sunglasses for buyer to steal...

I'm NEVER using PayPal again, recommending everyone against it, and NEVER using eBay again because they won't allow me to file a claim because it's been too long. So ** sketch and horrendous! Can't find a way to contact anyone on eBay. Every time I try to pull up customer service, I come up to the same stupid FAQ and "enter your question here" search bar. eBay won't allow me to rate the buyer. What. The. **. Thanks PayPal, for transferring my money to someone, without my consent, that was supposed to pay me for my item in the first place.

I did not hear back from them for days. I then contacted Discover to let them know I wanted to have the transaction reversed. Just after that my account was credited for the $31.98 and I thought I was home free. Discover contacted me to ask if I still needed assistance and I told them my PayPal account had been credited and things should be OK now. A day later the credit was reversed on my account. I then called to find out that they were willing to give the money back to Discover to correct the transaction. Discover then said since I said things were OK they could not continue with any collection as the case was now closed.

I am now in the middle of trying to get both to reopen (which they will not) or talk to each other and send me a check or any method to recover the money. Neither wish to talk further about the issue and consider the issue resolved. Two top companies in online transactions and they can’t assist/resolve such a small issue. I am at the point that I should just stop using both companies and consider this a learning experience. But I would like all to know what to expect from these companies. If you can help it would be greatly appreciated.

"Unfortunately, we are denying your claim because your purchase was for a virtual, digital, or intangible item, which is not covered under PayPal Purchase Protection. We only cover claims involving physical items that can be shipped and tracked. We encourage you to work directly with your seller to resolve the problem. You'll find their contact information on the Transaction Details page."

I contacted PayPal and spoke to a representative for about 5 minutes. They said they'd investigate my claim and give me a refund depending on the outcome of their investigation. Within 5 business days PayPal refunded my money. I appreciate that PayPal quickly and easily resolved my issue. My experience in the past with credit card companies is that they make consumers jump through hoops to get their money back when dealing with merchant issues. I appreciate it that PayPal offers consumers’ protection and therefore also helps small ecommerce businesses, because without PayPal buyer protections I would be less likely to buy from a small ecommerce site.

After 1 week, PayPal emailed me; they determined it was an unauthorized transaction and took the money away from my account. I lost $200 total. When I asked eBay, they told me to check with PayPal. PayPal told me they can't do anything and can't give any more details. I really wanted to close my PayPal account and never deal business with them. PayPal is one of the top worst companies I have ever dealt with. I am filing a BBB complaint to get my money back. Sellers, BE AWARE of PAYPAL. They are money suckers from sellers, but always honor fake unauthorized access dispute from buyers. Suckers!

I decided paying eBay is not a priority if my PayPal account will be suspended indefinitely. Also, I am a victim of credit card chargeback scams. I had a buyer contact me asking to pick up the item because he lives locally and would like to save on shipping, then two months later contacted his credit card and reported he never purchased anything. I took a huge loss and my PayPal account was limited until I was able to afford to bring it back from a -$500+ balance. Management in the PayPal customer service department told me the transaction had "Buyer Protection" so I was not protected as a seller and my only option was to take the loss that I really could not afford.

I called PayPal Customer Service on June 6th and lodged a complaint because I had paid for services and could not use it. What I received in the form of help was my billing agreement ID number for Skype and the transaction ID Number for payments. This information I already had. The problem was Skype did not credit my account for the subscription, just the money for the phone number. PayPal was the one withdrawing funds from my account and submitting it to Skype, so they should have been more than aware of the fact the money had been paid, or they did not submit the money for the subscription in reality. The withdrawals are noted in my banking activities. I therefore filed a claim through PayPal resolution process with the hope that this would bring a finality to this issue and I would get refunded. I was dreadfully mistaken.

PayPal closed my claim as if it were unjust and insignificant. Today, June 8, I lodged into my PayPal account to review the status of my case and to my surprise, and disbelief, I had no open case, it had been closed. SHOCKER. What other documents could I have provided as proof of purchase especially when they were the ones that did the withdrawals and email confirmations? I thought PayPal would be fair and equal and not impartial to me as a faithful customer. When you are big business, you can treat the little people unjustly. I think since PayPal withdrew the funds from my account, it's confirmed by PayPal. They should refund me all of my money since Skype is adamant about not receiving the funds.

I do still use that email address they're claiming to be linked to the old PayPal account. I've never gotten one email from PayPal with regard to this matter. My home address has been the same for over 20 years and I have never gotten one letter from PayPal with regard to this matter. The PayPal agent told me that the transaction took place in 2008, but he wouldn't give me any other details about the matter. The agent said that I needed to put in a fraud claim with PayPal and it would be reviewed. I would need to call them back later in that day or tomorrow.

I called PayPal later that day and learned my fraud claim had been denied. I'm being held responsible for the negative balance and the only way to resolve the matter would be for me to pay the negative balance. I tried telling them I didn't have anything to do with this account and asked them why is it I'm just learning of this issue after 5 years. I built up a pretty nice balance on PayPal - well over $500. I was told that money is no longer mine and PayPal has the right to take the money...

Please help!! Is there anyone who can advise me of what to do about this matter? I'm not about to lie down and allow PayPal to steal the money that I've worked so hard to make for something I've had nothing to do with.

So I finally got someone at PayPal to cancel the Bill Me Later service and then, I went to buy something on eBay, and I got a message that my account is on hold because it is unverified and they need a bank account or I need to open a PayPal MasterCard so they can "get to know me better" 15 years after I've been doing business with them. I called and John claimed that they needed my credit information, but by nature of having an account with PayPal, they already have that - they just want me to sign up for their services, either a credit card or Bill Me Later in order to continue to operate on eBay.

At the end of the day, they are trying to force people into paying for merchandise either with a bank account or a PayPal service so they don't have to pay the credit card fees. This is all it's about, stuffing more money into their pockets and treating its customers like dirt (and insulting our intelligence) in order to do so. Since PayPal and eBay are affiliated, I don't know if I have a leg to stand on when I file a complaint about their blackmailing me to either give them my bank account info (which we know they cannot keep secure despite their website saying otherwise) or apply for their credit card which I don't want, under the guise that they need to "get to know me better".

I told them I would just tell everyone of the SCAM. Ask the guy I buy a Rolex from to send it insured priority mail through the US Postal system and it's mine, free and clear, because that is how these sellers had asked me to send it. AND with all of my proof that he had signed for it in the two days I paid to expedite shipping, even though he said HE NEVER RECEIVED IT, they believe him!!! I felt like the innocent guy when the jury sends him to jail. It doesn't matter what you say or do to show the TRUTH. And it was okay with eBay/PayPal that they asked for it to be sent to someone other than the name provided on the true BUYER’S account on EBAY, so they could just do this day and night! So much for SELLER protection from EBAY for $600+. I do believe that now priority mail comes with delivery confirmation like UPS provides tracking.

On 4/22/13 at 2:05PM, I called PayPal's main number. After a third venture through an automated system, finally was able to get to a live person. They looked up my account and said they could only help me with my PayPal account, not my PayPal MasterCard. They nicely (or I thought) transferred me to the "correct department." On 4/22/13 at 2:15PM, I was transferred to a 2nd person. Not sure whom I got transferred to, but they immediately said I was in the wrong place and transferred me to the correct department (or so I thought). At 2:20PM, I was transferred to a 3rd person (Gail). Gail looked up my credit card number twice only to tell me (guess what) I'm in the wrong department. I am now in the Prepaid MasterCard department for PayPal.

She further told me that she cannot help me, that I should hang up, call back and start from the beginning as I called the wrong number. I informed her that I didn't call the wrong number, but was in fact transferred by another PayPal employee. She restated that she cannot help me, that I should hang up and call back? After a multitude of going back and forth, I of course asked for a supervisor, only to be told that there isn't a supervisor. I said, "Okay, a manager then." She said, "There is no manager." I then tried another approach and asked, "Who do you report to?" She replied "nobody." I challenged that and her final response was, "I report to the company." I repeated that back to her to be clear I heard correctly and said, "You don't have a supervisor or a manager and only report to the company?" She said that is correct and reminded me that she cannot help me.

I then asked to be transferred to any person in a management position. She replied, "They cannot help you." Astounded, I said, "Okay, let me hear them tell me that." (Of course, they wouldn't tell me that right? Let's see). At 2:47PM, I was transferred to a 4th person (Casey ID#**), a female who when asked identified herself as a manager. At this point, to be safe, I asked her for her name and ID number before proceeding to have to explain my customer service issue and the path I went to get to her. I also requested the ID number of the previous employee (Gail) who was terribly rude, short and inconsiderate. She told me, "I don't know. You should have asked her that before she transferred you to me." Huh? I asked, "Aren't you her supervisor or manager?" She said no. I asked, "Are you a member of management?" She said, "Yes, I am a manager." I'm thinking great, I'm going to be helped. Finally, I've reached someone in management and they'll make sure I'm taken care of.

Wrong. Casey now begins to tell me that she cannot help me. Also said that I should hang up and call another number to try again? Huh? This is a manager? I asked if she can directly transfer me to the correct person. Reply is no. I asked if she can directly help me. Reply is no. I asked if she thinks it's okay to treat a customer like this, especially after what the customer has clearly been through with 3 other agents. She said, "Well you're calling the wrong department." Seriously, didn't she listen to any of my story about how I got to her? Now for the height of the call, the manager Casey (employee ID#**) apparently decided she had enough of me (the customer asking for help) and just hung up on me and disconnected the call.

Wow! After the long career in customer service, if I were monitoring these calls on the phone system for quality assurance or training purposes, this call would serve me several purposes:

3. A great training for new employees and retraining of existing employees on how never to ever handle a customer.

Still unsure as to how to resolve my credit card issue. After I take some blood pressure medication, go for a long walk and ask God for forgiveness for my thoughts, I might try back in a week or two. Until then, what was my primary card is now removed from my wallet and placed in a desk drawer at home for some future consideration. The card was a fine card. The associated customer service or lack thereof if ever needed is the determining factor for the discontinued use of this card, inability to recommend GE or PayPal and the need to find assistance in resolving my issues.

Here is more: I realized that the BBB is there to make everything look good rather than any concrete action. I cc'ed them with below. A few days later, they marked my case resolved. This definitely is not business at its best! You'd think they would at least put it at the contested stage, but no, everything must look good regardless.

I want a refund. I have posted complaints with the BBB of US and Alberta. I will continue to post complaints at other locations until this matter is resolved. The site is a confusing mishmash of materials. The first real training (unlike your home page) was not up to a standard for grade school. I have been misled and cheated. I will not and cannot allow this to go unnoticed. I expect a full refund. The longer it takes, the more bad press you will receive.

I called eBay at approximately 8:30am on April 2, 2013 and spoke with John who promptly informed me of two things: (1) eBay has recently experienced an unusual amount of Item Not Received claims from Russian buyers; and (2) the buyer can leave me a negative feedback for possible mishandling of the package by the Russian Postal Service. I have a problem with these points. EBay, at the least, should have posted a disclaimer informing sellers of potential problems with Russian buyers or the Russian Postal Service. That way, a seller can make an informed decision. Instead, I sold an expensive item (in my eyes) to a Russian buyer who may have very well received the goods, but wants his money returned, too. Secondly, there is also possibility that some items going into Russia from the USA are not being delivered at all, but instead pilfered by the authorities. No seller, who provides documentation of shipment to a foreign country, should have their PayPal funds seized by eBay, and returned to the buyer without a proper investigation.

I have already contacted the USPS International Services, and though I took out insurance on the package, they cannot and will not open a claim on First Class Services. In short, eBay has stolen my $90.14 and the buyer is allowed to post a negative feedback even though I have proof and documentation that the package left the USA shores en route to Russia on February 25, 2013. Furthermore, Anthony at the USPS International Services told me that Russia has a problem with the timely delivery of packages, and that it realistically can take 2 to 3 months for delivery, and that the package was still in transit. So, what happens now that eBay/PayPal refunded my money to the buyer, and he then gets the package in a few weeks?

When I realized that the buyer was issued her money, I contacted the buyer and asked if she had shipped the item back. She said no and that she wasn’t going to until she got a full refund, including the cost to ship the item back to me. When I contacted PayPal, they said the case had been closed because the seller accepted the $125. When I had responded to the dispute and offered her the $125, I guess I didn't click on "when the item is returned" button (which I didn’t see), but wrote it in the notes when making the offer. This was my first time having to deal with a dispute and even though I wrote the terms in the notes, they still closed the case. So now, the buyer has my money and the purse and is threatening me that if I don’t issue her a full refund and the cost to ship it back, she will donate it to goodwill and send me the receipt.

I offered to give her the full refund and pay for the shipping back, but she wants the money upfront before she returns the purse. I’m scared to issue this lady any more money before I receive my purse because she may not return it or may have damaged it. I am sick to my stomach that people like this are out there. Any advice?

First of all, I am a polite guy but I know when to talk back when it's time. I told him in a few messages that he should learn to read English or read the description before bidding but what I think is that he could not resell it or he found a better deal. This was a $360 shirt with a retail value of $2000 when it was new and, normally, I told him that no one smokes in my closet and that it is not damaged as I sold 3 of the same shirts and all were happy except this ** who then contacted PayPal to make a complaint.

Now what irritates me is that he is a new buyer with 50 feedback and I am a seller with 600 feedback and still PayPal blocked my money which made my business stop for a month and paid him the $360 and I could not continue trading on eBay as my funds wore blocked. I called eBay which is normal since the trade was on eBay, not PayPal. eBay told me that I needed to call PayPal and talk to them and I said, "What for? I sold it on eBay, not PayPal." So after that, I called PayPal to ask on what basis did they give the right to the buyer and told them, "Did they even read my description and terms and conditions on the item page?"

I talked to a lady named Jenny for 30 minutes. I am sorry that I did not record the conversation as during that time, neither once did she provide me with an answer. She just said that they still see a value in the item and that it can be sold again. I said, "Tell that to the buyer so that he can sell it if he is not happy with it!" I also told them to look at the listing messages between me and him, description and high resolution pictures so that they can see as any 10-year-old kid would see that he was making up lies in every message but no, they said that they can't look at the messages in eBay.

I then said, "So on what basis do you judge who is right and who is wrong?" PayPal did not wait for me to get the shirt to pay back the buyer. They just looked it up and had seen that tracking number and gave him the money. I said, "Who is going to protect me as a seller now? What if I do not get the shirt that was sold or if it was damaged on purpose by him?" I've seen that there was no justice and told the ** to send it from where it was sent because I am in Europe and that there is nobody in Canada at my home and he sent it anyway to Canada which led to getting the shirt back as no one was there to sign for it. But I clearly told him that he has the address from Europe and I wrote it again in the message.

I then contacted PayPal again and as normally there was another person working who did not have any clue and is not meant to work there put me on the line with a supervisor by the name of Denis who did not want to give me his last name but gave me an ID number **. This guy was so impolite that I think he was chatting or watching something during the conversation that he did not show any interest in helping or doing anything about the case. I told him, "What happens now as the buyer got the money and the shirt?"

Who is going to protect me as a 10-year seller on eBay and PayPal from which they made over a few thousand dollars and is 100% positive seller? I also asked, "Why do I put a description on eBay at the first place when cons like Bruce ** can get to win a case which was in every way exact from the description to the pictures and item?" I also asked why there is a No Returns Accepted option on the listing page when no one respects that. Why do I then even bother to do that?

Denis told me that he will send a message to Bruce ** to send the shirt which I have not gotten at all. I think that eBay would be a better trading place without PayPal and I hope they close the company as they are there just to steal money. They do not protect anything and I think it was eBay's job to read and look and make the final decision, not PayPal who does not even have the access to your eBay account! People should start to sue them. I am serious. Instead of writing these kind of messages, more people should have them sued in court as this is a company that has a license to steal your money and is not doing what it is registered for doing!

I can see that I will not be getting anything back. The shirt was $360, not $36 but the most that I am furious is that my funds were blocked for more than a month. I can wait to file a lawsuit against PayPal for doing such a terrific job and Bruce ** from New York if I do not get my shirt back. People, just be careful as there are many cons in mind and mentally ill people and it's not about the item if it is not too expensive. It is about that which you will have an unnecessary problem. Your business will stop and a company like PayPal will block. They do not think twice or have experienced people who can see the real side of the story even with all possible evidence! Both will get what's coming to them in a short time ...

So without doing a thing differently, they awarded the buyer and closed the case! What! How can they favor the buyer when the tracking number he gave is fake and I never received my item? My money is frozen and no one at PayPal understands what I'm saying! I am so frustrated. PayPal has a bunch of idiots working there. Every time I contact PayPal, I find myself going around in circles. It's ridiculous. Now I'm out the item and my money! I'm going to pursue this with the attorney general's office. I am a victim twice!

Paypal has gone out of their way to violate their own rules and allow this buyer to abuse me. They have breached their contract with me and facilitated this fraud by the buyer. Paypal cannot be trusted with your money whatsoever. It feels like I have been lied to and financially, I have not been able to feed my rescue horses in a week, because I had to turn down a delivery of hay when they stole the $500 out of my account. I had to pay for two saddles and have them delivered to this buyer, which I paid the shipping for, as well. I am out the money and have no saddles returned as of yet in new condition as was shipped. How can Paypal violate their own rules and policies and still be allowed to do business? Paypal has violated 2 rules here on one buyer. These rules are supposed to protect the seller from abuse. There is no seller protection here whatsoever.

Two days ago, without notifying me, PayPal and eBay froze my respective accounts, according to a taped conversation, for "fraudulent activity," despite the fact that not one person made any complaint whatsoever regarding dissatisfaction with the items purchased, nor had eBay inspected any of the merchandise sold to make that determination (I am a reporter/photographer who gets these items directly from the manufacturer at press events). Upon calling PayPal, the person I spoke with was very harsh. He said, "We no longer wish to do business with you because of proprietary information regarding fraudulent activity." He also said that my "money will be held indefinitely just in case there are any complaints." He also said that I may not ever get my $4,000; that it was to "be determined."

PayPal/eBay is guilty of fraud, libel, robbery and defamation of character in shutting down my business and placing my badly needed money on indefinite hold. This situation is systemic and PayPal profits greatly with all the people they do this to. Something needs to be done now, before more people are screwed over!

So I gave both PlowLive negative feedback on the PayPal site. The seller then said they would provide a full refund if I withdrew my negative feedback. I said I would as soon as I had confirmation from PayPal that my funds would be returned via them. Weeks later, neither PlowlLive nor PayPal has done anything to act on this matter, despite an endless round of emails from a seemingly bottomless pit of different people from both entities that have clearly made no effort whatsoever to follow the email trail.

So I'm left with a useless ladder, I'm out of pocket over $100, and the seller (PlowLive), eBay and PayPal couldn't give a damn. So be warned and be aware that all the transaction protection promises on eBay and PayPal will not help when it comes to the crunch and never trust an email from PlowLive.

Original Review: Dec. 21, 2012

Recently, I was the victim of fraud through eBay and PayPal. I was selling a MacBook Pro on eBay and faithfully required PayPal be used by buyers to make the purchase since I have always believed that PayPal was a trusted and secure method of payment I could rely on. However, after selling the computer and shipping it after payment had been received in my account, a reversal occurred on the payment. Apparently the real user's PayPal and eBay accounts had been compromised and someone used the accounts to effectively steal my computer. I provided shipping information to PayPal as proof of my good faith to ship the item upon request and was told by a representative on December 7th that I need not worry; I had done my part, now PayPal just needed to complete the investigation and the funds would be back in my account in a short period of time.

PayPal opened a case and had it under review from December 7th to December 20th. On December 20th, I received a notification that the case had been resolved. Unfortunately, the funds were completely reversed back and I was not reimbursed. I called Customer Service and was told that while I was in an "unfortunate situation" and had been "a victim of fraudulent activity," there was nothing that could be done because the package had been shipped to an address not on the transaction page in PayPal. The process of sale had been so confusing and convoluted due to the numerous spoofed emails and communications from the "buyer" I hadn't even realized I did not use the address that was actually listed on the seller's account.

I was shocked given what I had been told previously, and given the fact that I provided proof from eBay that I had been a victim of a fraudulent transaction, including "spoofed" emails from the buyer. But this was apparently not enough, and Customer Service simply told me that despite the fact that they knew what had happened, they were not going to reimburse me.

After all the hoops PayPal provided were jumped through, I was assured my money would be returned to my account after the investigation in 5-7 days. Ten days later, I called again and was informed that the investigation was continuing and the original employee who suggested the 5-7 days time frame was wrong, and the actual waiting period was 10-14 working days (2-3 weeks). I was then told by the PayPal rep that the problem was my fault. He contended that the only way this could have happened was that I gave out my password or my computer was hacked.

Dubious, I informed the rep that no one was given my password. No one else uses my computer and I used repetitive security measures in addition to a private government issued security program good enough for the USDOD - no history of malware etc. I was then told I could have been hacked at a public Wi-Fi location (my only computer is a PC, which would be extremely inconvenient to transport to a coffee house or restarant. I own no devices nor laptop). Eventually, my funds were returned but now I have another problem. PayPal will not let me close my account! Why would they want me as a customer? Bad advertisement is the most expensive advertisement a business can have!

This was the response to both of my credit cards. I have confirmed with the credit companies that the card accounts are in good standing. This has been the issue for years. PayPal blocks all purchases I try to make. I was the victim of identity theft at the hands of PayPal and after 4 years, this company still punishes me for their mistake. I gave up all use of eBay, but outside of the eBay site, PayPal is still blocking my purchases. This is only a problem when I buy from sites that PaypPal handles the billing. If the site offered alternate paying, I would choose them. In many cases, PayPal is the only option.

Seven more calls, one of which was by my bank, revealed the same message. I'm a retired law enforcement detective, so I initiated fraud charges which will be investigated. I called PayPal, and my wife and I spoke with three different women who could not speak English well. All three were very arrogant, spoke over us and said, "We will not release your other funds from items I had sold on eBay.” The consequences are I'm out $448.24 for now and PayPal is holding almost $600.00 of our money for no reason other than what the three women said. We will hold your money if we want to. I intend to file a lawsuit, contact The NC Attorney General Consumer's protection Office, the Better Business Bureau and contacting the public. My bank is assisting us for now.

Now here is the problem. The next day, they took the funds out of my account anyway. Not only did they remove the funds but, when I called, I found out they weren't even in my PayPal account either. According to the PayPal supervisor representative I talked to, not only is it going to take three to five days to even be seen in my account, it would be another three to five days for the money to be transferred back in my account. So basically, by accidentally making a purchase, I lost my funds for up to ten days. That is unacceptable. There is no reason for it to take nearly a third of month to receive a refund that was actually issued on the same day as the initiating transaction.

To add insult to injury, when I asked the supervisor on PayPal if she was going to pass my complaint onto someone who may be able to do something about it, she replied "No." Should any customer of any business have to go through this type of hell in order to do business? Does it seem right that a company can hold your money for up ten days? Does that sound right to you? Personally, I don't believe the funds should have been removed from my account in the first place. The transaction was ended on the same day it was processed. That is lousy customer service and should scare anyone from linking their account to their PayPal account at all.

When a seller sells something mint, they should be held by it and not let them have their way. The phone I received had scuffs, numerous scratches, and the home button unresponsive. Just telling me that cosmetic does not follow under "item not as described" and only functionality when used is ridiculous. So many people can get away with this. As the medium for transactions (PayPal and eBay), I now question the integrity of mainstreaming your claims and appeals. There are so many inconsistencies with what you guys say and do. You should mention from the beginning that functionality is the only thing covered in item not as described when used.

It is just an enigma for me, with a 100% feedback of over 362 transactions, would lose to someone who can't even form proper sentences (13 with negative feedbacks). PayPal needs to read the messages and see clearly what happened. Unbelievable. Maybe, PayPal needs to realize the issue with its current policies in "item not as described." Tell them clearly that when an item is used, filing a claim under this title only covers functionality and cosmetic. This is completely unacceptable and I feel like veteran users like me can see the susceptibility of this loophole, i.e. even though I won't, I can simply state everything as used but mint, knowing that if any buyer ever opened a case, then they would lose. Unbelievable.

In or about the middle of March 2012, I was approached by my associate Mr. Andrew ** to see if I was interested in the disposal of a very large amount of abandoned equipment and a many varied assortment of other items that were in the way of a piece of real estate property that had recently been purchased by the proprietor that he had been employed by to remodel and rework same. The previous function of that property was as a restaurant, bar, nightclub and had been abandoned in site by the previous owners in 2011. At Mr. **’s request and direction, I began a many week clean-out of the abandoned property, equipment and material. To quote from Mr. **’s statement/affidavit (supplied on separate sheet):

“The property consisted of very numerous items of office supply, film/television production equipment, alcoholic beverages and foodstuffs, cosmetics, electronics and point-of-sale equipment in nature in addition to various other material of little or no value. The material of little or no value consisted of restaurant furniture, stuffed pillows, etc. and was disposed of via municipal waste carriers.”

On or about April 10, 2012, I began to sell some of the material and merchandise that had been acquired during the cleanout and recovery. To dispose of a portion of the material of value, it was determined that a viable venue of disposition could be the on-line auction site known as eBay. Thus, shortly thereafter I began to list various items on that site for sale. The online payment service known as PayPal was the sole payment processor. The sales continued (successfully and without a single customer complaint, I might add) until such time that PayPal, Inc. limited (suspended) my account with them, which coincidentally resulted in the suspension of my selling account at eBay and the delisting of all of my items for sale. Even though both were, and have been, supplied with all documentation, forms and statements and other proof that they have requested and even though they both are separate entities. Not!

However, it is known that PayPal, Inc. is wholly owned by eBay, Inc. Considering the fact that the two entities should have no binding relationship to each other, (one is a selling/buying site and the other is a payment service processor), is this a possible violation of the anti-trust or of the R.I.C.O. statutes of the United States? Are they conspiring to drive a monopolized business to each other?! It seems that eBay, Inc. owned Paypal and eBay and that you are guilty until and only if you are proven innocent! And only by their standards. All of this files in the face of the American way! In any event, I, Barry **, allege, state and affirm that not withstanding eBay’s actions, that PayPal, Inc. at a minimum, is in violation of the following: the California Consumers Legal Remedies Act, pursuant to California Civil Code 1782, Sections 1770 (a)(5), (7), (9), (14), (16) and (19) as described in the supplied and attached document to wit.

On or about Thursday June 21, 2012, PayPal did with malice and aforethought limit (freeze) the long-term account of Mr. Barry **, a future plaintiff in the cause of action ** vs. PayPal Asset Management, Inc. (DBA, PayPal, Inc.) in San Jose, California and the funds due him therein without good rhyme or reason. On or about 11:52 AM on Thursday, June 21, 2012, Mr. ** scheduled a transfer of funds ($1100.00 out of a balance of $1405.30), the first such attempted transfer ever to his newly added and confirmed personal bank account from PayPal to him. Literally! Twenty six minutes later, the transfer was canceled by PayPal and the account was limited/closed. The funds have since then been frozen and unavailable to him. Despite Mr. ** having supplied numerous requested documents and statements to PayPal, remedy in the form of un-limiting (that is, restoration of account status and the release of funds held in Mr. **’s account) has yet to occur.

In spite of repeated requests and demands, PayPal, Inc. has refused to supply any reason whatsoever for its capricious, malicious and damaging actions, and totally refuses to work with the consumer in an effective manner. PayPal is clearly confused and relying too much upon automated systems without human supervision or intervention! In the absence to evidence to the contrary, or proof of fraud or other disallowed actions by Mr. **, PayPal is to immediately restore the account to good standing, release and make available all funds to Mr. ** as expeditiously as possible! Said funds were duly supplied and transmitted to Mr. ** via multiple customer purchases of Mr. **’s goods for sale on the online auction site known as eBay. No customer unresolved complaints, returns, chargebacks, or any other negative activity has been noted on either the eBay or PayPal accounts! Mr. ** has been a PayPal/eBay account holder in good standing with many hundreds of successful transactions with no noted previous problems whatsoever!

While researching this issue, Mr. ** was shocked, dismayed and horrified to learn that this is not an isolated case and that this unfounded action has previously been and is continuously being perpetrated upon literally thousands (hundreds of thousands?) of California, U.S. and international consumers! This exact issue has been the subject of numerous cases of litigation, judgments, settlements and a litany of consumer complaints! A simple internet search will bring up many, many such cases and complaints. Some examples are provided in this package for your convenience. Clearly, there must be some action taken against this/these omnipotent and monstrous company(ies) with over 130 million customer accounts in order to restrain them from this outrageous, tortuous and illegal conduct! It’s simply giving California and the internet a bad name!

My item had to be fitted to me, and then shipped from the UK; 30 days is absolutely unreasonable! If I'd known their silly and unfairly short window of coverage, I would never have paid the seller through them and would have just used a credit card. I trusted sending money through them! Of course, my bank said they couldn't help as the money was released through PayPal and told me to take it up with them. I stood to lose 125 pounds sterling (about $200). Luckily, I have friends in the reenactment community in the UK who applied social pressure and forced the thief to pay back 100 pounds (claimed he was broke and would pay the rest later, but of course, never has).

Okay, so another email was sent with instructions. All emails should always be sent through eBay so they can see the conversations (PayPal can see it too). They received the item, and didn't contact me after they did. So, after a few days, I left a positive feedback. Once I did this, they sent me an email saying they were returning the phone package and wanted their money back. I said fine, send it back and I will refund you your money back minus the shipping. They opened up a claim against me because I wouldn't refund them all of their money. PayPal is still holding my money, $31.50. Seriously, this is an open and closed case. The buyer clearly doesn't have a clue about basic life and internet principles. I am horrified that PayPal is dragging this dispute through the mud. It is only $30. Could you imagine if it was a few thousand? I will continue to use PayPal for my internet selling but I have started to look into other payment options. I think I may have to block all people with 0 buying feedback.

When I was told there was fraudulent, misleading activity or a negative balance, it sent me into a panic. I reviewed all the payments from 2010 which made through, and there was not one business that looked even slightly questionable, unless you consider Wal-Mart! I tried to have PayPal explain to me what was wrong with the account to no avail. I was told it was proprietary information. Well, excuse me, but I believe that my account has been compromised, since there is no way to have a negative balance when I don't receive payments. I was told there was another account tied to mine. Well, this was not authorized by me. So I feel there has been a security breach within their company.

I believe they should have to tell you exact reasons for their actions, especially if it is not on your account! I spoke with three different people today. The first one said they could see no reason and would turn the account over to fraud, but never in this event did anyone call or email me to tell me there was a problem.

My money from customer was there and I already delivered the items which were on their way to USA. The problem I got is they keep asking for shipment evidence when I have already provided the tracking screen shot that the goods have already moved out from the Indonesian port to USA. Also, I've provided picture of shipping doc (not clear enough since I only got 2nd page of the copy of shipment), plus other requirements. How crazy service you have in treating new customers like me. I don't even plan to put your logo on my website if I could not solve this problem within a week and I will ask my customer to request his money back from PayPal due to I could not withdraw the money and tell him to send money to me via wire instead.

I also submitted my customer's letter to explain how I sold the product. I also got rate for international calculation for the money that I withdrew back to PayPal account. I lost about $8 without any solving good method to clear the problem. Any one having similar experience as this case? Let me know how I can close this case and what should I do to contact the right person? I need to call directly to US as main office of PayPal service because ASPAC service is no good at all. Thanks for reading my complaint.

After this situation, PayPal asked me to verify my transactions, email address and if all of them were in order. They asked me to change my password 2 times and told me my account is limited now. I cannot operate and even get my money back to my Bank of America account.

I called PP and they said they had nothing to do with the Paypal credit card, just handle it with GE Capital. Paypal made me get the card to be ''verified'' and be able to make purchases. I had had it for years, but had never activated or attempted to use it. PP has limited my account, wants me to verify my cancelled card and will not close my account until I meet their demands. I have purchased 600+ items and have had less than 6 issues with sellers. I have had very inconsistent service with Paypal's constantly changing rules. My credit score is important and their credit card company sending me 4 pages to complete and indicating failure to do so will be reported to credit bureau is unacceptable, as is Paypal's refusal to just cancel my account.

After 3 months, PayPal took money from my account via my cc and paid the buyer. I did plead for umpteen times to PayPal that eBay, after multiple deliberations on this case, decided in my favor. So, PayPal doesn’t have any right to go against eBay’s decision and rip me off the goods and my $420. I have mailed and phoned both eBay and PayPal and they are recusing themselves, telling me that they are two different companies. Despite my genuine transaction, they have to oblige the cc by raping me off my money and goods, stating that they were not supposed to take loss. So, they passed it on to me. This is preposterous. I shall sue both eBay and PayPal to force them to return my goods in original condition, revert money taken from my account and pay me for damages for my time lost and mental anguish.

My situation is horrific! Last year, PayPal suddenly placed a reserve on my account. I was not notified of any changes applied to my account until I attempted to use my PayPal debit/credit card and it was declined. Of course, I placed a call to PayPal to ask what was going on and why, and was transferred to a person who portrayed himself as "the god of PayPal", Patrick. I have to admit that I wasn't happy to hear that my account was placed in reserve, but I never yelled and became obnoxious like I wish now I would have.

I did tell Patrick that it is illegal to make changes to a money account without proper notification and that I would be seeking advice from my attorney. The inclination that I might follow through with what I said angered Patrick in a way that I had never experienced in the professional customer service industry. Patrick began yelling at me and told me that he could terminate my account if he wanted to, he could limit it and do pretty much anything he pleased.

As I attempted to humble myself to "the god" Patrick of PayPal, he said I just placed your account in limited status. What that did was prevent me from charging any of my customers and accessing my account with full capability. Within a short period of time, for reasons that the business had no control over, I began to see a negative growing balance with charge back after charge back. Many of these charge backs were from customers that only received items/service but had done so months prior and suddenly they were all at one time complaining about service.

I knew that something was wrong. I attempted to contact PayPal several times as I watched my account spiral out of control for the first and only time ever since opening my PayPal account. No one was able to help me but Patrick and Patrick did not return any of my calls, he did not send any e-mails and he would never pick up his line when transferred. I don't even have a record of the supposed customers that filed charge backs. I have no records period.

I have been blocked from accessing any information from my account with PayPal. I used PayPal to pay bills, make purchases for the business and send money. I have a skeleton record of account activity and need to access my monthly statements from 2010 and a partial of 2011, but have been denied time after time.

I need assistance in resolving this situation. I refuse to pay any money that PayPal claims that I owe because I have no knowledge as to who, what or how that happened. My business suffered a great deal because of PayPal and their representative, Patrick, but I am happy to report that despite their attempts to cripple my business, I am still in existence.

I would like anyone who remotely considers using PayPal to look elsewhere and for those that are currently using PayPal to not make yourselves completely dependent on PayPal. Set up an account with another processor that is regulated the same way banks are. This issue is not over for me. I will pursue this until my situation has been resolved to my satisfaction and PayPal is forced to change how they do business with sellers.

“During a recent review of your PayPal account, the determination was made to apply a reserve to the account beginning today. A collateral amount of 25% has been set aside from your current available balance. Additionally, a rolling reserve will be set at 25% of the processed amount for each day, to be held for a 180 day rolling period beginning today. The decision regarding your reserves setting was based on the review of the risk exposure inherent to your account. A risk review is the evaluation of several factors related to an account, which include, but are not limited to, transactional activity, customer disputes, and type of business, credit attributes, delivery and customer satisfaction time frames. Reserves are monies that belong to you, but are set aside to ensure your account can cover transaction liabilities. You will be notified if your reserve settings are adjusted in the future.”

It surprised a lot and I still can’t believe that they have done this to me since I’ve always had good records and never had any claims, fines or penalties. So, I called the Mitigation Specialist “Peggy” (which she reminds me of a TV commercial for Discovery Card “my name is Peggy”). She couldn’t give me any detail reasons why they put reserves on my account other than what she said on her original email. Since 25% is about twice my net profit I tried to reason with her if they could lower my rolling reserve. She was unsympathetic and insisted that she could do nothing about it but to put 25% reserve and rolling reserve. She told me that I have no choice but to accept that. I don’t even know how they come up with the amount that “I have no choice but to accept”.

On the PayPal User Agreement Section 10, under paragraph 10.5, Actions by PayPal – Reserves I couldn’t find anywhere that says any actual percentages other than “Account are held for a certain period of time, or that a certain amount of money is held in reserve” and “PayPal may change the terms of the Reserve at any time by providing you with notice of the new terms,” which I know now after they put the reserves on my account and had the account for 4 years.

If they mentioned this 25% reserve and rolling reserve for 180 days on their “User Agreement,” I would've never opened my merchant account with PayPal. I feel that PayPal has grown so greedy and they don’t care anymore about their customers. They treat us like we and our businesses have no value to them and whatever we say doesn’t matter to them.

PayPal almost immediately “resolved” my claim. They said it’s too late and the 45-day grace period was over—no money's due! PayPal does not immediately pay vendor immediately after an order is made through their system, so it seems to me that there's enough time to PayPal to check out who were dealing with. I guess anyone can sign up with PayPal regardless of what's being sold. Also, there's doesn't seem to be a procedure to appeal their decision, so what to do with such situation?

Paypal then closed the case ruling in the buyer's favor and disqualifying me for seller protection on the basis that the item was delivered without obtaining a required signature. I spoke with Paypal numerous times that I have emails from buyer, stating he has my item and even paperwork from the buyer's credit card company, that they sent the money back to Paypal in Feb 2012, but they refused to release my funds on the basis that they don't have my money and by law, they have to wait out 71 days before they can clear the charge back claim. Nearly 60 days later, funds are still missing and I have reps named Steve, Bob, and Anna from India telling me that I now have to wait 81 days.

1. The item is shipped with a tracking number and 3 days elapses from delivery with no buyer complaint or refund. Issue: some items ship first class mail inexpensively. To ship with a tracking number requires a more expensive shipping method which I either have to eat or pass on to buyers who are then more reluctant to bid due to shipping costs.

There are times that a buyer has paid for an item with shipping and after preparing the package, I am able to ship at a lower cost. If I refund my buyer the difference, it counts as a refund and PayPal considers it a problem and determines that a 30 day hold will be required on all items sold regardless of the fact that I was actually doing a good thing and received positive feedback.

2. The buyer posts positive feedback (Note: I have received 100% positive feedback). Issue: Some buyers do not post feedback. Some buyers will post negative feedback before giving the seller a chance to rectify what may be a very simple issue or misunderstanding which the seller can easily and very willingly fix. Despite the honest seller who did not intentionally do anything wrong making good on the issue, some buyers will not update the feedback to positive, and even if they do, the negative has been logged and the hold policy put in place.

3. The seller receives all five on the detailed ratings. Issue: Some buyers think they are doing a good thing by giving ratings at just above average. Some do not believe in perfection and won't give it. Some buyers never indicate they were less than completely satisfied to allow the seller to improve their experience. Some buyers will give a low rating on shipping time when they were aware of the average shipping time of the carrier, even though the seller may have sent the package out as soon as payment was received.

Additionally the new policy states that funds to pay for shipping purchased through eBay/PayPal will be released. What I soon discovered is that first, you must pay for it yourself and then they will release an amount equal to what is used. This then requires the transfer of released funds to your checking account to reimburse for shipping. This process of transfer takes about 3-4 days. For the "Power Seller" with plenty of funds, this may not be an issue but for the average Joe or Jane, I'm selling because I need the money and the shipping was expected to come from the sale proceeds.

I am unclear as to how, with 111 feedback and a 100% positive rating, I find my funds held. How much better must I be in order to remove these holds? In short, PayPal's process for determining hold times is based on factors sometimes completely out of the seller’s control, and completely arbitrary factors. As a money transmitter, they are holding my funds. If this were a bank, I would simply change banks. This is, however, PayPal a service which eBay sets up in many ways to be the only viable payment method. They do say we can use certain other methods, but those methods require a seller to purchase a "merchant account". The cost of this is prohibitive for those sellers such as me who are not truly merchants per se.

According to PayPal, they did not receive my fax and other emails. I want people to know my experience. I will pursue this matter deeply in small claims court and any other protection agency available in my state. Do not be taken by PayPal! They side with whoever they make more money off—a business decision, more than a moral decision. I use to pay thousands of dollars using this service. Not anymore! And I'm not losing over $500 in this transaction! I will fight back and eventually they will fall, not but my hand but with all our voices being heard together!

I sent the collection agency a "cease and desist" notice, but I have researched the agency and they seem to have little regard for the law. I feel that I have been treated unfairly and that fraud is involved. Why would my PayPal balance be zero, and why would PayPal have continued to be available to me if I had an unsatisfied debt to PayPal?

This whole situation stinks. Since both PayPal and GE Capital are ponderous bureaucracies whose employees are not empowered to help anyone, I cancelled both my PayPal and my eBay accounts. I want nothing more to do with PayPal, GE Credit, or their stupid and rude collection agency, which would not provide me with any details or verification whatsoever.

I called eBay customer service, and they rudely hung up on me the first time. I called back and received the same ‘they don't care and there is nothing you can do about it’ attitude. I told them their policy might not be legal. I then told them how I thought they tricked/trapped me by not posting the policy on eBay and billing me (taking money) for services not rendered. I asked to talk to the manager to tell everyone I can about the problem. She said she cannot get the money faster and I will be waiting till the 24th, or so. Well, today is the 25th and I still have not received payment for the item. I did not at any time resort to cussing, insulting, or not trying to resolve this in a civil manner. I did try to gain some kind of sense of why they are doing this. Do they not want people to sell on eBay anymore? PayPal took a good smooth 3-day transaction and made it absolute nonsense. I have 72 100% feedback. The only thing I could come up with is they are trying to make interest on the money. In conclusion, today is 2/25/12, I still have not received any payment from the sale. I did just send in another email to PayPal asking what I had to do. Thanks for reading, everyone.

Anyway, I called them and even though I provided them with my information over the phone, they still want me to send my picture ID and other personal information. Who are these people and what can I do to close the PayPal account and get my money back? I need an advice.

But justice comes at a cost and it's for those who can afford it. I cannot! So, I'm finished with Paypal now as well. I have been a customer with both for over 15 years , but I don't do business with criminals.

Here's another solution? Don't ship until you've been paid, that means your funds have been released to you. PayPal can not afford to have that happen, if you walked into a store and bought something and the CC company told the store "We will release funds to you in 21 days" how long do you think that store would accept that CC "Don't ship until you have tour money. PayPal is a scam of huge proportions.

On the 11th of February, I received a response from PayPal's corporate office in regards to my complaint with the BBB. It was false and incomplete. 30 minutes later, I received 2 emails saying my account was limited until I provide needed info. Needed info? I'm a preferred member who has done business with them for years. They wanted to know what I was purchasing and from whom.

I provided them the info and replied back to their corporate office demanding an explanation! I even threatened to sue for punitive damages. 15 minutes later, I received an email stating I was a risk and we must part ways, which we would do in a manner that would not be harmful to any business I was conducting. They stole my money, saying Id get it back after 180 days or I could refund it. So should I let them have 180 days of interest-free money that belongs to me? No! I refunded it and apologized to my buyers. I also removed PayPal from my website. But now, I'm stuck with buyers who can't receive their items because I can't pay suppliers who reside in China when all they accept is PayPal!

Ebay forces you to list with only PayPal as a payment provider. They charge you to list a fee when you sell, a fee for the shipping costs, even to receive payment. They make sellers wait 21 days to receive their funds. And they can freeze your account and funds at any time without just cause. They are a monopoly of the worst kind and need to be regulated by our federal government. It's bad enough the BBB is in bed with them!

I'm writing you in regard to the methods and the ways PayPal treat honest sellers that use their service. I'm highly agitated by their procedures in resolving my issue and their method of acting as an escrow agent by holding seller's funds claiming that it is for the buyers protection. But even after the buyer receives the item and also leaves positive feedback, they still continue to hold the funds. I can fully understand that PayPal wants to protect the buyers and I have no problem with that until the seller is proven that they are a legitimate seller.

But the problem that does concern me is how they treat the sellers. I have called them dozens of times, to be precise 4 hours 38min in a three-week period to no end and their customer service center agent literally laughed at me. And the end result is them hold my funds for 180+ days. I had did a web search with Consumer Affairs and read hundreds of problems that PayPal has caused to honest sellers like the guy that sold some gold coins and the buyer had scammed him and PayPal to the end result of the buyer receiving a refund and kept the coin and the seller was out both.

In my case, I had sold several items for a business as a trading assistant on eBay and I didn't have a problem with the hold until the buyer received the item because I realized the account was new and had explained this to the seller. But then, they put an account is limited on my account and the funds were frozen. So I had refunded the customers and had requested a check for the item in which some had and now I'm out close to $400. The reason why I had refunded them was because they were going to hold the money in the limited account for 180 days and then I had to file a request after that only to jump through more hoops.

In the meantime, the business that I had sold the items for want their money which is not unreasonable on their behalf. But the problem is that I'm on disability from the military USS Boulder LST 1190 Little Creek, VA and I'm on a fixed income. And I'm a single parent that receives no child support from his mother. But that neither here or there. I have tried to work with them to the best of my ability to no resolve except to their of the holding the money for 180 days (please read my emails and complaints attached).

In my opinion and from what I have read about escrow, this holding period is just a way that PayPal holds the seller's funds not mainly for the buyer's protection but for the simple reason of the interest that accumulates over time even though it seems like a very little amount for me if you compound the hundreds of thousands of sellers if not millions. The accumulation of funds would be in the millions of dollars. And the most interesting point here is their verification process. When you join as a seller, you need to be verified and such in which I have no problem and I had done it but since I live in the country, I don't have a landline phone. Only a government provide cell phone because a landline call out is long distance and you cannot verify a cell phone. I had done the mail in address method and the others. But the account was still limited.

The other method is to apply for a PayPal credit card and you will be verified instantly. My main concern here is that if a person such as a scammer is to open an account to steal from people on eBay, as such he/she would be intelligent enough to do identity fraud and he/she would have a perfect credit score and would in turn be able to open the account and therefore have a verified PayPal account to perform illegal activity. And in turn, PayPal would be an accessory to the crime by allowing such a verification methods.

Furthermore, PayPal, which is owned by eBay, forces the seller to use PayPal as the main payment form and doesn't allow the buyers to send payment by check. In these payment methods, PayPal acts like an escrow and from what I have read, an escrow service cannot be part of the transaction company eBay because they need to have no motive means in the transaction and in this case is the holding of the seller's funds for the simple reason that I had mentioned above interest in said money. They (eBay) had covered this issue by the lawsuit that was filed in California and a settlement of $9.5 million was concluded which is a drop in the bucket, so to speak, because both companies cannot be sued again for the illegal practice in California.

But in my opinion, the customer call centers should be in fact be held liable for said actions due to intentionally misleading their customers and not resolving the issues at hand and the end result is the 180-day hold on the seller's funds. I realized that you may think I'm making a big deal about this but if one doesn't stand up and help resolve issues at hand, they will continue to do it. I believe that eBay and PayPal should pay interest on whatever funds that are held on a seller. Furthermore, the verification process be more secure for their customers and the seller has the option for mailed in payments.

I also know that selling on eBay is an option but it is a public service that was established as a small community values outlet for the average person that have items to sell I believe that was their logo when they started. I believe what is going on now is they mainly want larger businesses to conduct business instead of the little guy because they don't need the money right away like myself and they are willing to leave the funds in PayPal. This way, PayPal and eBay make money on the interest like I mentioned earlier. In my opinion, eBay and PayPal should not allow the small guy to sell period on their site because of the way they treat them.

In closing, I respectfully request that an investigation take place to look into this practice of the interest of frozen funds and assets and that some type of committee be established to further assist people that do in fact have legitimate arguments and complaint on the holding of funds. Furthermore, if it is legal to file suit against PayPal customer service center or eBay's call centers that are in fact doing business outside the state of California and have a DBA in said state but represent eBay or PayPal, that this lawsuit information be available to the general public on the Federal Trade commission website.

I wish I had another source to sell through but eBay/PayPal holds all the cards and there is none. I buy only what I cannot find elsewhere and ask sellers to accept other forms of payment or complete the deal outside of eBay. A large amount are doing that very thing. We can only scream, fight and take any actions to hurt eBay. I have given information to news agencies and hope someone will try to give the true story. I will not give up and quit but neither will I do anymore than necessary to feed the pockets of eBay/PayPal or as I chose ePrey/PreyPal. The small individuals made ePrey/PreyPal and it is us who must take them down. Take all legal actions you can as an individual to inflict pain on their greed.

Why is this allowed? If I took something from the store and walked out and stated that they would get their money in 30 days I'd get locked up! Why isn't anyone locked up, the thieves over at eBay and PayPal. They are the same company for those that didn't know and best yet, they make interest from the money they hold and they get to keep that too! So my question is this, if so many people are complaining, why hasn't a lawyer filed a suit yet? And if one does, put me in! It's funny how most of the names on this site of people complaining sound either minority or foreign. My name is Tamika. I'm black. It must make me a thief, right, PayPal/eBay?

Ebay does not check to see if the buyer, who marked me down on item not as described, asked me any condition questions. These ratings that buyers can leave against sellers are anonymous, so I have no way to defend any low star rating I get. I've been selling on eBay and other online venues since 2002. I have well over 700 plus positive feedbacks on EBay (actually more because they set everyone back when they revamped the feedback system). I also run a small service business. I have instructed all my clients not to pay me through PayPal, as a result of their randomly limiting my ability to access to my own money. Why PayPal thinks they can limit my ability to collect fees for services I supply, I do not know! They do not have anything to do with my service business. I have also taken PayPal off my other online selling sites as a way for buyer's to pay for items.

I will use Google check out, or take our clients’ payments ourselves. Why Ebay and Paypal want to lose good customers, and that is what I am, is beyond me. My eBay and PayPal fees are always paid. I am an honest business person, and still they want to treat me as a second class citizen. I am not going to use my own money to pay for buyer's shipping, when they have already paid for the shipping fee. When the buyer gets an invoice from me on the amount they owe for an item or service, the invoice is broken down by item/service price and the shipping cost, etc. When they pay for the item/service, using this invoice, they are entering into a legally binding contract with me. If anyone alters this legally binding contract, they are breaching our contract. How can Ebay and Paypal continue to get away with this?

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 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.

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!

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!

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.

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.

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.

PayPal says that it has no control over this, that the transaction was already in process, and that it is up to the bank to refund the money, and look into my "dispute". They're saying that I will likely be refunded the money within three to five days. PayPal offers no good explanation as to why they explicitly told me the money was returned to my bank account, when this was clearly not the case. They keep telling me that they system is automated, and they can't control it.

Didn't they build the system to begin with? Isn't their whole business instant money transfer? Shouldn't they be able to rectify the situation with a transfer made as quickly, as the one they made erroneously made a transaction they'd assured me wouldn't happen, to begin with (otherwise why would they give me that immediate notice, that the transaction was "cancelled" and the money "returned to my account". That message still appears there when I go to my account, but its clearly incorrect).

I just spent an hour on the phone with both PayPal and Chase. Neither can offer any solution to how to fix this now. Both say it will be rectified by the end of the week, but in the meantime, I now have an overdraft fee to pay, and I have zero dollars in my account until they fix this. I feel really powerless, and disappointed in the actions of two companies, who seem to be claiming being powerless when it comes to dealing with a system, and machinery that they built themselves.

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 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.

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.