PayPal Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

One of my 8 cases claimed responded back against my claim and PayPal notified me by email. Also, I can review the seller posting comment in my account. So far, there was only 1 of 8 cases responded back to the claims as I mentioned earlier. If the seller responds within 11 days, the chance I will get my money is minimum since they do not protect any services purchased.

However, if the seller failed to response within 11 days. PayPal will automatically refund me back in my account regardless whether services or products. I reviewed my cases in PayPal account every day. There was only one seller responded, and no responses from the rest 7 cases.

When time approached 11 days, I called and talked to one of the specialist on Nov 26, 2010 about 2 big claimed ($500 USD each for total of $1,000USD) that filed on Nov 18, 2010. The specialist told me that by Nov 29, 2010, around 4-5 pm, if the seller has not responded back to the claims, PayPal will automatically refund $1000USD in my account.

But I referred to 11-day policy that I was informed by three dispute specialists the information if seller did not reponded within 11 days, PayPal will automatically refund my money. The supervisor told me that the seller responded before 11 days. When I asked to see the comment from the seller, the supervisor told me they cannot since it is privacy between seller and PayPal. I insisted that 1 of the 8 cases when seller responded back, why I can review that case, but why not these cases. Now, I realized I have been scammed by PayPal.

Please, is there any legal department that can help innocent victim like me? I have been scammed by sellers and by PayPal.

I got screwed out of $39.95 and $59.00 and they were told to cancel the scam 3-4 minutes after I ordered it and would not. Then after being billed, they say it is legitimate and not fraud.It is **.

I was on vacation overseas and did not have these with me (since I only travel with Travelers Checks) and so I couldn't unlock my account. I also didn't have an international phone to call PayPal. When I returned and unblocked my access, I saw the funds have already been returned. So I emailed PayPal and they said that since the case was closed, they can't refund any money.

Then, I called them and the man who helped me said that he will send an email to the buyer to return the item. If he doesn't, PayPal will take care of it. After two weeks, the buyer still didn't return the item. So I called PayPal again, and this time, the woman I spoke to was rude and said that she'll just send the email again. It has now been over a month and I still didn't get the item back (from Canada). It's a large amount since it's a game set and I don't think it's fair that PayPal refunded all the money considering that he didn't even return the item. Please let me know what steps to take in order for me to have the money returned. Thank you!

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

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

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

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

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

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

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

On 9/24/2010, they canceled my transaction and again they change from dollars to pesos and so on! Of course very high change because it's one of PayPal business. The same day, I have to pay again those 347 US dollars to the seller.

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

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

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

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

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

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

The trucking company delivered the item and the buyer refused it because he claimed he did not have the money. PayPal gave him back his $320 out of my account and I lost my shipment to the shipping company for the unpaid bill of the buyer. Angie the last PayPal rep I talked to said all claims for "item not received" are won by the buyer.

I would be interested in a class action lawsuit with others who have been damaged by PayPal's bad policies. They made no effort to ask me for any information or make the loss right for me.

I will definitely not do business with Ascendtech in the future and will definitely not have any sense of protection when paying with PayPal.

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

Silly me, thinking this was likely an error or oversight on someone's part. I thought it would be taken care of quick and easy. I followed all of the steps outlined by eBay and PayPal to try to resolve the issue within the allotted time I was given to file a claim. And knowing how life can change your plans without notice I gave the seller the benefit of the doubt and emailed them politely inquiring as to why eBay and PayPal were contacting me and if there was an issue to please contact me. Ten days and three emails later, I thought differently as I neither heard from nor did I receive the item in question.

A little more than two weeks after the original transaction, I get a package in the mail. Yea, my iPod has arrived at last. But that was not the case. Instead it contained two used VCR movies that obviously had been box office flops. The kind that rental places sell two for $0.99. What a joke. But one that had taken some premeditation on the sellers part. So I go to eBay to research their ID and I discovered that starting the day of my purchase, the seller received 8-10 negative feedbacks until eBay deleted him. Every single one stated "scam artist," "fraud," "don't do business with." I, too, wanted to add my voice to the number but eBay so completely removed the ad it was if it never existed. Not only could I not leave any feedback there was apparently no evidence that it had ever existed anywhere.

Keep in mind, my first knowledge there was a problem was from our good friend, PayPal. And then who gave me the biggest runaround when I tried filing a claim? PayPal. "And so why do you believe you are the victim of fraud? " Because you told me I was. It was at this point I figured out that this may not be as easy or as satisfying as I had thought. Wisely, I had copies of everything which I provided as requested but PayPal dismissed my claim because there was the properly documented trail of package shipped and received. Case closed, period.

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

I know why this is. You see, when I attempted to "opt out" I discovered that this address does not exist! Thus, there was no way to opt out! In addition, when I attempted to open up a Better Business Bureau complaint against GE Money Bank (the issuers to the credit accounts for PayPal), the BBB in Texas directed me to Dayton, OH!

I provided Paypal with the tracking information required in order to receive my refund (the only stipulation to receiving my refund), well before the date requested, and the claim was to remain open until July 5th. On June 27th, I received an email stating the case was arbitrarily closed and decided in the seller's favor. Despite, having been guaranteed a refund if I return the item, paying for the item, and returning the item to the seller, meaning the seller has his cake and ate it too, and the innocent buyer was now out $40, with no item to show for it (even a fake!).

I contacted Paypal to appeal the case and I have now received an email stating that I should contact the seller and try and work it out directly with them. In this time, I had already purchased a different memory card from the more reputable and reliable Amazon for $38, not imagining for a moment that I would not receive my refund. I have now in essence spent about $80 on a measly memory card. I now know that there is no buyer protection through Paypal. I have a complete paper trail to confirm everything including pictures of the fake memory card and the seller's blatant admission of fraud. $80 + ongoing disputes by phone and email that amount to hours spent on this dispute!

But the fact is that I did not receive the full order from seller and I explained this as clear as crystal in PayPal. I can't believe that PayPal never replied to my problem. I even doubt if PayPal ever look at our problems. Disappointing! I would never use PayPal anymore. Disappointing seller made me realized how disappointing PayPal is! But some seller only accepts PayPal. I need to let more people know how disappointing PayPal is! I lost US$20 and spent a lot of time complaining and waiting for reply from representative, which they never replied.

The small web stores generally have someone available to help and quite fast as well. The large corporations seem not to be in touch at all with the customers and if anyone is got on hold of they say they can not do anything about making a system that is easy for customers as they are only customer service. Didn't the government have a program about wasting person’s time with burdensome forms, etc.? How do the giant corporations get away with wasting hours of customer time with artificial intel robots, forms, useless problems you may have and then no way to ask a person who could at least understand what the issue is? I have to drive now 100 miles to a previous address that a package was dropped off at due to PayPal using an address I have not been receiving mail at for over a year. Second time.

The blog boards on paypal.com are lit with frustrated and angry people. Some have contacted local newspapers and some have contacted the attorney general and other political organizations about this theft of interest and unfair practice. I’m sure this isn’t the first or last email you will receive about this issue. I agree with holding the money until delivery confirmation is proven but waiting for a buyer to leave positive feedback gives the buyer the ability to control the product in his/her hand as well as still control the money that is no longer theirs. That’s the same as a Wal-Mart customer buying tons of merchandise and Wal-Mart has to wait for the buyer to go home and do whatever they want with the goods and decide when or if they will release the money to Wal-Mart.

This is an unfair practice. PayPal says that if you have a good seller rating, this system will not apply to you; however, there are tons of people who have perfect ratings for years and excellent records of service that still are subject to this unfair practice. Please investigate this issue. I stopped doing business with them after the practice disrupted my account balance so they are ** with me, but this is not about me. This is about the man whose sole income is eBay. His bills are due, his eviction depends on this money, he rightfully and honestly earned it and will be evicted because his money won’t be released to him.

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

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

In the past 2 weeks, I have suffered anxiety and stress that have worn me down. I've undoubtedly suffered financial loss. I achieved good sales results in the first 10 days and had active bids on existing auctions that were suddenly and without warning canceled. Not only that, I spent a decent amount of money on stock to meet those orders and expected ongoing future sales and invested countless hours on putting up many, many listings for those items.

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

Well after having almost 1,000.00 dollars in pending status, a lot of us have limited fund to ship our items and for some eBay-ers, it’s going to put them out of business. I think that this is uncalled for! They get their fees that they charge and now they hold our money that we have coming to us. Just think about how much interest money they will have after 21 days with the thousands of people they are doing this to! I have 100% feedback score and no resolutions problems. What are these people thinking? Help!

Since my both PayPal accounts are limited. My eBay sales have been seriously declined, neither I couldn't buy anything on eBay because the 99% of sellers require PayPal.

When I sign onto my PayPal account and check on the status of the dispute, it says they are "waiting on a response from the seller"! OMG! What seller? I never bought anything! This is just really scary, and I no longer even feel safe. My personal information has been breached and not only that, it is their "Policy" to not allow me to close my account until they come to a resolution. In other words, the very people who allowed my personal information to go out also still have control over the said information. This is a true outrage. Consequences: out money and my identity has been compromised. I no longer feel safe in my home because they let out my personal information. I am extremely stressed and unable to trust.

My wife called PayPal and they stated that there was a problem with how she shipped the tickets and they were doing an investigation. They have never stated what prompted the investigation. Was it a purchaser complaint or did they choose to initiate the investigation because they noticed that it was not shipped though a PayPal recommended method? We sent them a copy of the email with the tickets in it, the request on eBay for us to email the tickets, as well as the email thanking us and telling us that the tickets were received. The charges were reversed. PayPal supposedly refunded the purchaser $750, and since the funds had been transferred to our checking account, PayPal charged the $750 dollars to our credit card. PayPal would not tell us why, other than stating that we did not ship the proper way and did not have an accepted delivery confirmation slip. We tried to remove our credit card from the PayPal account, but it would not allow us while an investigation was ongoing. I don't know if the PA Attorney General can help, or possibly my local Congressman.

Called both eBay and PayPal service numbers. I was told that the funds would be released when proof of delivery was given. What? I can't ship without the money on hold. I could not pay for the shipping in the usual purchase manner with PayPal through my bank account. No, that was not allowed for shipping. Oh, I could also get the fund released if the seller would give me a good feedback. That makes sense. The buyer who doesn't know me from Adam, should give a positive feedback to buyer who had not even shipping the purchase yet.

The last attempt I made was to call eBay. I became very very upset, they got PayPal on the phone. Now, I'm in tears. And per PayPal, they were protecting me. I want to know what off-shore bank they put all those funds they are holding for 21 days. What a racket. They released my fund and I shipped the next day.

So be very careful when dealing with PayPal Plus, and make sure you call them often. It appears that they have very loose standards for getting a credit card. I still do not have a good feeling that the issue has be resolved, and will call them every day. I have spent hours on the phone and countless hours worrying about my credit. To this point because of LikeLock, no money has been lost, but very upsetting.

I told him that I have very good credit and did not need this service. I had to get very rude with him because he keep trying to sell this to me. I told him I wanted credit for the 40.00 charged and cancel this product. He then told me I would be credited within 3 to 5 days and gave me a refund ID# 26412358984810. This was on the 21 of April. I have not yet received this credit. My main concern that this business charged my PayPal account with out my permission. I am very concerned with this transaction. Please help.

Rich ** said that I cannot use those points toward my bill. For every 9,500 reward points, I get $100.00. I have 27,499 reward points, but they tell me that I can't use them. I told them they owe me $300.00 credit and if I have to, I will sue them. They could not care less. I am a disabled Vietnam veteran and I want my credit of $300.00. Thank you. I hope you can help. I have PTSD from Vietnam and go off very easy. When I got off the phone after talking to four different people, my nerves were shot. I had to take a pill for my nerves.

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

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

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

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

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

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

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

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

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

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

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

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

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

I paid a total of $1,000 via my PayPal account to Eve A. since this alleged Goddess has a PayPal account. I wanted to see if she could actually cure my diabetic condition and my female friend's seizure disorder. Eve A. or her alter ego Divine Mother Sophia claimed it would take only 3 weeks to cure us both of our conditions.

She recommended that I needed only 3 SIR treatments to cure my diabetic condition. In other words, I would be totally free from taking insulin injections. However, after getting 4 treatments for my diabetic condition, absolutely no change was experienced, except for my bank being reduced. My female friend who Eve A. also treated, claimed Tracey only needed a total of 3 SIR treatments to be cleared of her seizure disorder w/o no longer needing to treat herself with Phenobarbital to control her seizures. However, nothing happened except by coincidence she experienced a seizure under her alleged treatment. Plus, I ordered several pet spiritual energy healings to cure my cat who also occasionally experiences seizures. Nothing happened and my cat still occasionally experiences seizures.

"Yes, all cases that are treatable by me are stated before the sessions is paid for, exactly what percent I can cure them. Never have I encountered anyone less than 85% cured by me. 90% of all cases are 100% cured in a few weeks. Advance Mad Cow beyond 55% cannot be cured by me and some large limbs like legs and arms cannot grow back. Small limbs and organs do grow back, including the brain. What I do and have done succeeds anything any doctor has ever attempted to even dream off. If I was not real in the last 6 years with 20,000+ remote checkups and 4,300 healings I would have been put out of business for fraud. "

FYI PayPal allows this lady to offer her services via PayPal because at this time, PayPal does not have any policy against psychics or alternative healers such as Eve A. even though they are breaking or violating FTC & FDA laws of making claims w/o supporting their medical claims.

If you confront Eve A. about not getting cured or experiencing any positive results, she will get defensive & create out of world excuses to escape her delusional Goddess complex. In other words, it's your fault that she cannot cure you even though she claims over 85% successful cure rates! I paid $1,000 in failed cure-all healing treatments. Got ripped-off!

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

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

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

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

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

How can PayPal lock my account without providing proof/reasoning for their actions? How can I fight this when I first have to hire an attorney to subpoena the information they are using for justifying these actions? While traveling in Thailand, I am unable to call their number due to the long wait times, not only do the calls drop here but the cost is extremely high. So, I have to resort to email correspondence, of which only the initial email was answered. None of my followup emails have been replied to.

What recourse do I, or others, in this situation have? Who regulates PayPal? What protections do I have regarding funds held in my PayPal account? So far, I am unable to accept payments for the many subscriptions our clients have. We can also not access the funds that were in the account at the time of this account 'limiting' action. Bottom line, this hurts a small businesses reputation with its clients more than it hurts PayPal.

I signed up with PayPal in the early 90s and have had my account ever since. I have had some recent account setbacks that have led me to close my account due to Paypal's errors, but now, since December 7th, they refuse to forward my account balance of $66 and fear that they are conducting the most ruthless, fraudulent, banking arbitration gambit to me and the American public. I have no alternative but to expose them as I have done above. I started selling Paypal merchant links and have received no compensation because they are stealing all the traffic, clicks and new members and PayPal has decided to seize all my money.

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

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

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

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

I'll just give you one story, and let anyone who thinks paying or receiving payment through PayPal protects you... (PayPal holds your funds from your buyer in their account, until they decide to let it out to you; hence, more interest for them floating around.) Anyway, now to just one of my horror stories that occurred a few years ago:

I buy a complete 9-season set of The X-Files from a seller for $250.00. His feedback % is very good (over 500 and around 98% positive), and I pay through PayPal immediately. About 3-4 days later, all of a sudden, negative feedback starts pouring in on this guy. I am no doubt spooked (since I have yet to receive my items)!

I got my shipment by UPS the next day. Wheeeewh! Right? Wrong! After I return home from work and my son has signed for the two large boxes, I immediately knew something was wrong when I picked them up. It's way too light. I opened the first box, and it's all packing peanuts. That's all! The second, it's the same! I emailed the guy and PayPal.

The guy emailed back and admitted what he did, giving some type of sob story as he did to apparently the other 17 left in the past 12 days (and yes, he is still registered). I have already went on with this long enough, so let's cut to the quick. PayPal told me "Well, he did send 'something,' insured it, and had signature confirmation. So, we really can't do anything."

So, PayPal requires the seller to insure, get signature confirmation, etc., etc., on all items sent out to the buyer, but they cannot control the condition of nor the actual item sent to you. It's your word against theirs. And let's just turn it around, shall we? If you, being the seller (not the buyer this time), sends out your item and the buyer receives it and claims it's not what was advertised to PayPal, then PayPal steps in (and remember, they are still holding your money) and tells you that you must give a refund. (Yes, eBay and PayPal's new policy is all sellers must offer refunds.)

The buyer then returns you a box with a $5.00 item in it instead of the $500.00 item you sold them. Guess what? The buyer gets his money returned and keeps your item! If you want to buy and sell small dollar items, then I assume when you do get scammed (It will happen when using this "policed" payment method that is faulty and just a scam for more funds to be cut from you.), it won't be that terrible. I hope.

PayPal cannot be there to actually see what is in the package sent or returned. It is not safe! Just use common sense and think about it. I just wanted to warn others, and of course, make my experience be heard at Consumer Affairs concerning PayPal.

I contacted the seller by email. He emailed me two programs to download on my computer, which I did. I could not install the programs, because the computer could not recognize the programs without a CD or drive. Several emails were exchanged between my self and Dankefly in Hong Kong. Finally, the seller told me that if I return the GPS, he would replace or refund my money. I chose to take the refund. I sent the GPS back to Dankefly.

I filed a dispute with PayPal, which was a waste of time.That company has over 100,000 claims against them for holding money and hiding money. I filled out a form with PayPal as to how much money I was out - $95.00 for the GPS and $12.62 return mail to Hong Kong. I keep checking with PayPal, but there's no money. PayPal's webpages are so misleading when trying to find information. You take a complete tour to no place. I was sure everything was going to be alright. Wrong, I was out of town a few days, and when I returned, I found my dispute had expired and I did not file a complaint.

Some people have to stay up all night to figure out all the trap doors to be included in their programs. After, I got burnt. I checked on the internet. PayPal is a rotten company. It's the first time that I have dealt with them and the last. I checked with the San Jose BBB about PayPal. They have a lot of complaints filed against PayPal. So, I looked up PayPal's rating. An "A." Somebody is getting a lot of kickbacks on that rating.

Anyway, with these track numbers, I have sent to them all the other necessary documents to restore my account. Guess what? Sure, they did not restore my account and also did not refund the money that I have sent to my supplier. They all got that money for more than 1 month. As you can guess, in that time, all other customers opened cases against me! It was all PayPal's fault, not mine. Because of their fault, I have lost all the customers. I explained the situation to all, but they did not believe me since when they asked PayPal about it. Paypal had told them it was not true!

Anyway, in the beginning of July, after too many e-mails sent to them, they finally refunded that money to my account. And I immediately refunded the customers who did not receive any item from me. My account was still limited. I was only able to refund; nothing else. It did not finish of course. Other 5 customers, whom we have sent the goods to, learned that my account had limit due to some problems with PayPal. They immediately moved and opened cases against me, though they got the items! I could not be able to believe in this, but it was true! I was going to lose both money and items! I could not do anything; all the cases were about "not as described," and Paypal agreed to their cases.

I called those customers, but they did not answer me. I could not click the resolve button, since PayPal did not let me to do it nor could I send them messages in the same page of the case. All the cases were under investigation by PayPal, and no action was required of me. And when I wrote to PayPal about my account status, they replied to me that unless these cases was not closed, my account could not be restored. There was lot of money in my account separate from those 5 customers' money. I also could not reach my own money.

After so many callings and e-mails to PayPal, I realized that I would never save my account and my own money without refunding those scamming customers. I wrote several massages about authorizing PayPal for refunding. And finally, 2 days ago, they refunded those 5 customers' money too. Guess what? Sure, PayPal did not restore my account again! I was about to be mad. I called them again and again. They never helped me and told me that it was their final decision for this limitation.

Yesterday morning, I have gotten 2 e-mails from PayPal that my account has been restored; but of course, it was not. They officially play a game with our lives. They just apologized for these mistaken e-mails. It did not finish; they all told me different things - some said it was their final decision about my account, some said they would review, and some said they needed extra info. And they also said that they would hold my money for 180 days in case of any chargeback! But I told them that there was no more customer who can charge back or file a complaint since they all were refunded, all!

Now, I filed my complaint nearly to everywhere and also to the laws here. There will be a court against PayPal, and I will use all of these mistakes done by PayPal as my evidences! Good luck to everyone dealing with this company.

I provided PayPal with a screenshot of the feedback left on June 6th. That should have been proof enough that the buyer used this printer until it broke and then decided they wanted their money back; but since I had a no refund policy, they had to lie. So, PayPal said that the buyer would be refunded their money if they returned the printer. PayPal had already pulled the funds out of my account as soon as the dispute was filed. I received the printer minus the brand new cartridges and, of course, the printer was broken and not packaged carefully like I had sent it. I had the option to appeal, so again I sent PayPal my side of the story - the new cartridges had not been returned, the printer was broken, and it was obvious the printer had been used. How was that possible if it was broken when the buyer received it?

PayPal completely ignored my appeal and said that "once PayPal has made a decision regarding whether an item is significantly not as described, the decision is final and cannot be appealed." So apparently PayPal doesn't protect sellers from fraudulent buyers. I am so upset - they obviously didn't even pay attention to my side of the story at all. Who protects the sellers? Can PayPal be allowed to do this? I thought my transactions were protected from this type of fraud by PayPal. Obviously not. I am out $22 in shipping, $40 in new ink cartridges, and have a broken printer that I cannot resell.

I called yesterday and spoke with a man named Sean. He tried to tell me that PayPal had sent me an email telling me that the tracking information I had provided from the US Post office was no good, that the seller wasn't at the address I had sent the merchandise back to and that I would have to send the merchandise back to the right address. I asked this Sean how in the heck could I send back a merchandise that had already been sent and received by this company on the 11th? He said he didn't know, but that is what I had to do.

Obviously, I must have made this Sean mad, because after we got done talking, I went back to my PayPal account to look up the case and found it had been closed. Not only has PayPal caused me to lose my merchandise, but also the $120 I spent for it, and now will probably not be able to recover. I just sent PayPal an email asking them to reopen this case of mine, but I bet they won't do it. I have documentations that will prove this company did not want to pay me back for the item, even though they admitted to me that they had received it back. Help.

PayPal has caused me to lose the money I paid for this item and the seller has both, the returned item and my money. This has caused me nothing but stress and it will be along time before I can recover from this.

A couple of days later, they said his claim was valid and I was to pay the $71 and they would release the funds to him when he verified he had returned the item to me in the exact condition it was received by him in. Several days later, I received a small envelope with 3 ICs, 4 resistors and 4 capacitors in it along with a letter stating that these parts were removed from the pedal, but there was no pedal. The envelope he sent weighed 3 or 4 ounces at most and cost only $2.02 to mail from Florida to Utah USPS First class with Delivery Confirmation. So the actual postage was really only $1.32 as DC costs $.70. So I appealed to PayPal. They asked for documentation. I sent my original receipts (with weight and costs) on it. I sent photos of what I had received (with the $2.02 postage showing), the components I received, and the letter more or less "taunting" me that these components had been removed from the pedal.

I also had the original delivery confirmation receipt where I had sent it, which matched the number PayPal has on file. So if Exquant would be made to provide their receipt showing the weight of the package, one could determine that what I received weighed approx. 1/10th of what I sent to them. But one lady at PayPal stated, oh, it could have "dried out". It's made of steel and electronic components and a 9V battery. It weighs 1.3 pounds not in the box, no matter what. It doesn't "dry out". Another call to PayPal and I was told that maybe he got "a deal" on shipping. So I contacted the USPS and was told a 1.3 pound package would cost a minimum of $5.50 (including the Delivery Confirmation) to be sent to me. That is minimum, parcel post cost.

He sent it USPS First Class for $2.02, so it clearly did not weigh 1.3 lbs., absolutely, without a doubt. But PayPal says "he said he mailed it to you and we have a delivery confirmation number". I had to provide proof of the weight of what I sent to him, yet he has to only "say" he sent it back? My proof (and it is ironclad proof) is being ignored by the people at PayPal. The question is why? Probably because if they have to make him pay my money back, they have to give my the $2.36 PayPal seller fees they make me pay. And yes, they released the funds to Exquant on Monday, July 6, 2009. So I have no pedal (Exquant still has it) and he also has the $71 back. So, I appealed to PayPal and they asked me to send an affidavit, fax information and photos of what I received. Well, I did all of that on Thursday, July 2nd, and it was deleted on Friday, July 3rd. I resubmitted it on Monday, July 6th and it was deleted on Wednesday July 7th (today). I resubmitted it once again today.

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

PayPal is facilitating fraud, and it's not right. Yet they are allowed to get away with it time and time again. Sooner or later something must be done about them.

I sent PayPal a complaint letter about the 30-day limit as the items were going to China and I also sent them copies of the postal tracking information documents. Today, I received an email that they were closing another claim to the seller for the same reason as above. However, I checked on the Canada Post Web site and it said that the package arrived to the destination country on July 6, 2009.

Why didn't PayPal give me a refund if they have a zero fraud policy and I was defrauded by the seller? Why wasn't the seller instructed to give me a refund? Why was I told by PayPal to ship the items back to China for $50 to get my money back and now it appears as though they just want to close my claims against the seller and not give me a refund?

I required immediate payment, which I received, and shipped the hard drive on June 6th. On June 8th I was checking my PayPal account to follow-up on other transactions when I notice a chargeback due to an unauthorized use on the sale of the hard drive. I immediately filled out all the necessary paperwork PayPal requested, yet on June 19th, they reversed the sale back to the card owner and essentially told me I have no recourse. I believe the credit card company is responsible for verifying the user of the card (my package went to Pakistan, the card holder lives in Indonesia).

It would be nearly impossible to run a background check of everyone who bids on eBay. The card holder is a non-US verified PayPal member. The Buyer of my hard drive is now no longer an eBay member. Today, I called PayPal to request for the name of the credit card company who issued the chargeback so I could present my grievance to them, and was told that information is “confidential”. Since when can someone just take money out of your account and remain “confidential”? This is not right! I no longer have the hard drive and am out $114.65.

Well, the card never showed up but they can't give me any more information because the card came from GE Money bank, not them. So I can't pay my people and every time I call them, I get transferred at least 5 times, but never get any help. This is terrible customer service and it seems like a scam to me. My entire project is in jeopardy because of the cruddy practices of this company. Beware. Use this for basic simple things, don't depend on this service for anything important.

PayPal and eBay has set up a system that will take monies from individual accounts and have no recourse as they work in cahoots with each other and sends the monies overseas that draws the whole complaint and affidavit process out--way beyond American identity theft laws and into personal accounts that are actually fake. I am so upset at both companies that I will probably go into the office the next time I'm in the bay area and just sock the CEO of eBay for theft and join any class action lawsuit against PayPal that claims they are just a front for eBay and does nothing for the seller or on a flip side.

The report was then faxed directly from LAPD West Valley Division. Paypal then said, "We did not receive the fax." I then went back to the police department and officer Emenheiser sent the second report directly from the police station. Paypal claims they never received the faxes. Paypal then gave me a different fax number. I contacted officer Clark once again and gave him the different fax number but Paypal has never contacted me.

These were brand new boots, and my wife thoroughly inspected these boots before shipping. The boots proved to be sound externally/internally. The 3-day exchange/refund period was for the buyer to inspect the boots by wearing them, not for the boots to remain idle in her closet. I declined the exchange/refund because the buyer did not honor the terms established. The buyer filed a dispute against me with PayPal stating she did not receive the item as described. I have no control over how people wear their clothes. This is the reason why I chose a 3 day warranty. This is more than enough time to determine the quality of the footwear if they're worn.

About 2 weeks later, PayPal released my account and granted the buyer the $100 refund. When I asked the basis of their decision, they said their PayPal user agreement overrides any eBay terms established between the buyer and seller. I went straight to the executive level to have this matter investigated. I sent the president, Mr. Scott Thompson, and Senior Agent Mrs. Beth ** emails stating my grief. Mr. Thompson never replied to my email, but his senior agent Mrs. Beth ** responded by stating, “This is our final decision and it will not be over turned.” These people (PayPal) refuse to give their last names. I had to do research to get Mrs. ** last name. I also spoke to an executive agent, Jenni, over the phone who refused to furnish her last name; she was extremely rude and non-professional in dealing with the issue.

I have learned my lesson; I will never use PayPal again. It's a payment vehicle that many people use for money transfer security; they will not see the negative side of this company until something negative happens. My PayPal account will be closed by the end of the week. I'm currently unemployed. My wife and I were using eBay to sell items to supplement our income. EBay had my account on hold because the fees weren't paid. The money that PayPal refunded back to the buyer was intended for the eBay fees. I had to use my credit card to pay the fees which put us in a deeper negative situation. I cannot take the chance to sell anything on eBay if PayPal has this ridiculous policy overriding eBay established terms.