PayPal Reviews

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.

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

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

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

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

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

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

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

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

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

In case that you use a PayPal credit card to pay for the merchandise, and the transaction wasn't processed for whatever reason, you will be charged for that amount, even if it says that the transaction was cancelled. This happened to me, and I tried to dispute it with PayPal twice, but without success. This is my fault, and it is costing me $310.00 and some in interest, but I am trying to help someone else not to make the mistake that I made by using PayPal and its credit card, period. If you can avoid using PayPal at all, please do so and save yourself a lot of money and headache.

I feel that I am being taken for a fool, and at the same time being robbed. There are stil people who do business in good faith, and they shall not be taken advantage of.

"Thank you for contacting PayPal regarding your limited account.

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

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

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

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

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

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

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

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

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

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

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

On December 3, I received a reply from them "I understand that you need assistance in resolving your limited account access. I checked your account and saw that you have successfully confirmed your registered credit card. Please do not worry as I am now working with one of our specialists in reviewing your account. You do not have to do anything at this time. I assure you that we will send you an email update as soon as we are done with the review."

I was very happy when I read their reply and thought that they will release the money so the seller can process my order because I will be needing the products before Christmas. But on December 5, I received an email that my appeal was denied. "If your PayPal account balance is zero, and you have no unresolved buyer complaints or charge backs, your account will remain limited." The option to release the money is to wait 180 days or if anyone will ask a refund from my client.

First of all, I am the buyer not seller. So I am so mad that they hold my money for no valid reason. They can also check my account that I never received money from anyone. I am the one who sent it. I called them and explained that I am the buyer here. But they said I need to wait and they can't even explain why they hold my payment. They investigated on their own and my side was not heard. I emailed them telling them I can show them my billing statement or whatever they need but until now December 9, 2011, no reply was received. I googled the case and read so many stories about Paypal holding their money. I hope you can help me/us with this. It's my hard earned money and I don't see any reason why they would do that. I've read that they put the money in their bank for 180 days so they will profit through interest. Paypal is a scam.

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

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

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

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

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

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

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

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

I had made a purchase for a 4&1/2 carat ring on 9/8/201. When the ring arrived, I tried on the ring and it was too big for me, so I had emailed Flouria (the seller) and she told me to send it back. The next morning I had sent item under USPS lock and keys (where it doesn't go out with reg delivery mails) and purchased up to 4000.00 insurance for the safety of the ring.

On 9/13/2011, Flouria stated she got a completely different ring and the item I sent her had a 0.80ct princess cut center and what she received was a different ring with a 0.30ct princess cut center. I had filed with PayPal. Flouria changed her story with PayPal and said it was the same ring but replaced the .80ct princess cut stone with a .30ct princess cut stone. A .30ct stone is only about 1/3 of the original size. There is no way a smaller .30ct stone will fit into a larger 80ct setting. This is in essence putting a raisin into a opening made for a grape. It is too big and the stone would fall out. The only way for me to have sent her back a ring with such a small stone would require me to have the entire setting redone. That would entail removing all of the surrounding stones and recreating the setting to hold a smaller center stone and then re-setting all of the stones.There is no jeweler that can re-create and then re-set an entire ring in under a day. Flouria on the other hand has had this ring for weeks now. She is the only one who would have had enough time to reset the stone .

This went into appeals 3 times. The first two times Paypal ruled in my favor because she couldn't provide the documents needed including the police reports. She appealed the decision again which gave her additional 10 days to provide the documents and still could not provide, and paypal ruled in my favor. The third time she appealed which gave her another 10 days she got the documentation. Why would it take her one month for her to get the documentation and the police report and feel I can reset a entire setting in less than a day. I am outraged that despite my full cooperation with all of PayPal's policies and directions, they have continually refused to return my messages and telephone calls after promising to do so when I call in or write, and given me misinformation time and time again. I am requesting that PayPal return the balance of 2773.13 into my account that was caused by PayPal's errors

I want to continue being a member of PayPal, but make it extremely difficult for me to do so..especially when promises are made to rectify their errors that renege on. In effect, they are refusing to provide any buyer protection at all from fraudulent claims by sellers who can claim anything they want, and you don't require any proof from them except a police report that she perjure herself simply to protect losing money.

I have provided evidence of paper work, receipts, and letters from a jewerler stating you cannot set a entire setting in less than 1 day to the PayPal disputes department. I have provided PayPal with every bit of proof and documentation they requested, yet my rights are being ignored. Despite PayPal's insistence of refusing to honor their promises to restore my account to its previous state with a positive balance of 2773.13, it is well known and documented in the law that it is illegal to grant a claim in one party's favor without performing a full investigation of the matter, in order to reveal proof of any claims being made.

On October 27, Paypal returned the ring to me. It wasn't the ring. It took 2 mos to get the ring. Initially, I was told the ring will be destroyed due to "altering" the center stone.

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

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

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

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

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

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

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

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

The seller contacted the other members in my party but failed to contact me at any point during the dispute. PayPal decided in the seller's favor when it was clear that the seller refunded my two friends (which I provided their names/accounts). Now, I'm exploring other avenues to get my money refunded. I don't understand how you can refund two of the three people who experienced the same situation at the same time. We all rode and went into the venue together.

I'm disappointed in PayPal for allowing this to occur and for not further investigating. It's inconsistent and unfair to allow the seller to pick and choose who he wants to refund if we all were in the same exact boat. As a loyal user of PayPal, I don't feel comfortable using PayPal anymore. They let me down.

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

I've waited the requisite five business days and seven calendar days after the refund was issued by the vendor, and still have not received the refund from PayPal. I was also told that after I receive the refund and request a transfer of the funds back to my checking account, that I must wait another five business days minimum for the funds to be credited back to my bank account. Calling PayPal customer service has been useless and frustrating, as the reps were clearly reading company policy and procedures from an online script and were powerless to take any action whatsoever to resolve this issue. This is a blatant case of PayPal getting use of the consumer's money free for a minimum of 10 days and not responding in kind to my request to expedite or override the process to obtain my refund. I still have not received the refund, and apparently, I'm powerless to do anything about it except to document this complaint.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I was in shock! What nerve.

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

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

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

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

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

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

I got robbed of $40. I just want to use this.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

I feel that this is false advertisement and some form of entrapment. They sent out these false "pre-approvals" just to get you to apply for credit, which you thought was a "pre-approval". This is not fair to me as a consumer. Just basically "applying" is totally different from "pre-approval". This is an intentional, misleading entrapment. If this situation can be looked into, it would be greatly appreciated. Consumers really suffer at the hand of companies with this type of behavior. Thanks.

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

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

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

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

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

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