PayPal Reviews

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

The sneakers were fake! Italian Gucci sneakers with Chinese writing all over the box and and on the inside of the sneakers.

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

In addition to economic harm from the lost price of the items and shipping, I lost time in dealing with the fraudulent merchants as well as with Paypal itself, as well as extensive aggravation in trying to obtain justice in fulfillment of my legal rights. I would like to sue for all possible damages including punitive damages for this scandalous mass-fraud which Paypal is perpetrating willfully upon the unwitting global public.

I cannot make any Ebay transactions, cannot sell or purchase and cannot close my account or disassociate my Ebay account from my Paypal because it has to be done through Paypal. I cannot even close the account. This situation has caused a great deal of mental stress and frustration.

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

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

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

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

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

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

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

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

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

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

Hassle on the phone by a verydetermined collection agency.

The seller had two names under his account, Andrew Perez and/or James Perez. I repeatedly wrote to PayPal to ask for an update on this case and have gotten airy statements such as we cannot disclose information about this seller- WHAT DOES THAT MEAN? I want to know specifically what is being done to resolve this and the fact of the matter is, nothing.

My bank reversed the charge and refunded the $935.00 that was taken from me. PayPal has frozen my account, there is a negative balance on my account (which is perverse considering they should really be going after the scammer, not the victim), and are sending me collections emails.

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

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

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

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

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

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

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

So I called ebay, and the lady says, yeah there should be a link there to respond. Now I am amused. The link isn't there because you DONT want it to be there. She then proceeds to give me an email address to send my response to. Can you imagine running a company the size of PayPal and only giving out a way to contact when someone calls you and even then, its insecure, unreliable, good old email!

Needless to say, this is not just in favor of the seller, its like cash. This buyer protection mumbo jumbo is just that: just talk. The buyer is basically sending cash over and should think of it as such. Especially with PayPal on the side of the seller.

BTW, the tracking number says the item was never delivered. But I doubt the folks at PayPal care.

Still haven't received a reply other than they are investigating this. Right, take a number and wait!

• That a dispute will be acknowledged in writing within ten business days;
• that customers that contact the number on the back of the card be allowed to dispute or report a card stolen through that contact;
• that funds will be provisionally credited to the customers account within a specific timeframe; and
• that the results of the investigation by the bank will be sent to the cardholder in writing and the bank must provide some sort of proof if the customer requests it.

Consumers who are not proficient on the computer will only find information on how to apply for the card. It even gets worse believe it or not. If the customer decides to email them at the other contact method on the back of the PayPal Debit Card, cardsupport@paypal.com, they are sure to get an auto-response electronic message requiring them once again to return to the website and submit the concern. That's it, no more information than that.

I submitted three messages to this email address before I finally received a response that provided me with a link to an affidavit to dispute a Debit Card Charge. At this point the customer can assume that they MUST HAVE A COMPUTER in order to use the PayPal Debit Card and at the same time be protected from unauthorized charges. PayPal seems to have interpreted the Electronic Funds Transfer Act to indicate that every single human being on the face of the earth is born with a computer attached to their chest and has unlimited and free web access; so they figure an email is the same thing as "in writing" when it benefits them, and of course, the company is not a bank and is protected from lawsuits through its arbitration clause can do that.

For those persistent people like myself, the ride is still not over. PayPal has decided that when you finally find the secret affidavit you must then check one or all of the boxe(s) on it which include six different scenarios and offer no other box that states other. This is confusing to me, maybe cause I grew up in the hills and possibly the city folks can help me on this one, but doesnt it seem that there are more than six reasons that one might have to dispute an unauthorized charge?

All right, so I have to swear and I have to prove that Im swearing or else PayPal will not acknowledge my dispute. Makes sense to me cause like I said, I grew up in the hills. Of course, my mother was born in Brooklyn so that gave me the ability to take a step back and see what is going on here.

This whole affidavit thing is just another stall tactic on PayPals part to confuse the everyday Joe into giving up. Finally, the completed affidavit must be mailed to PayPal's Nebraska address (not by fax or email, mind you). Oh, and I almost forgot, they must receive your signed and completed affidavit within 60 days of the transaction (I have no idea where they got that from, but it contradicts the 120 days that really persistent and inpatient people like me learn when they finally call MasterCard).

For those of you who forget to send your swearing your showing proof form certified mail, go back to step one except move the calendar up another 15 days cause there is something wrong with the mailman on this particular route. PayPal will swear to it! If you have not figured the game out, PayPal is so arrogant that they will stall you until you have no right to dispute the charges because the time-frames for handling such disputes will have expired.

That is fine with PayPal because the worse thing that can happen to the company is that one might sue them. Wrong, again! Remember the 24,000+ word user agreement? It contains an arbitration clause that makes this so expensive and requires one to travel to San Jose, California -- simply impossible for most customers.

If there exists any satisfaction for me and my $1,010.75 Not A Bank 101" lesson, it would be that this may be the straw that breaks the back of PayPal in that the issuer of the card, Bank One NA, as well as Wells Fargo are beginning to feel the heat of bank regulators as a result of PayPals poor and unfair methods of handling these disputes. These banks are sure to distance themselves from PayPal as this issue makes it way into the public and legal forums we all enjoy as American consumers.

Not only has PayPal disrupted my life as they placed their profits over the fair business practices and unwritten rules that consumers call reputation. The company has also tarnished the reputations of both Bank One NA and MasterCard in its unfair and misleading practices and has exposed these institutions to regulatory action at both State and Federal levels. If the past portends to be anything of the future, it will be an interesting saga to watch PayPal insulate itself from the consequences of it own actions as they hear the slap upon the faces of Bank One NA and MasterCard by regulators, which the force of logic would conclude is destined.

The very least we might hope for is that the banking industry might move to banish PayPals debit card as it holds an unfair advantage in the market. And one final note: Why do I have to sign an affidavit form and mail it to Nebraska in order to stop the time clock for reporting such disputes when all I have to do is click three buttons to enter into a 24,000 word contract with PayPal to instantly use the service?

Damage Resulting: Police contacted me and required me to make restituion for the money Paypal has frozen in my account; The merchant claims and has provided credit card documents to prove he never received funds initally, so PayPal has kept the money all along. I don't make much money so imagine what kind of economic damage one has when $1,010.75 diappears all the sudden. Ebay account is ruined after four years of excellent ratings. Wife's mad at me for trusting that "stupid computer bank thing" in the first place!

PayPal should not have cleared the funds onto my account before they actually were drawn to the relevant bank. No major fin. institute does it that way, which is the reason for the longer processing time. PayPal knows that most clients use PayPal to find out if funds have been transferred. Declaring transactions as completed without verifying their legitimacy and reserving the right to withdraw the funds at a later stage is deceptive and not usual business practice. As a result their business conditions are not enforceable.

PayPal is not in accordance with the electronic funds transfer act which requires that a fraud victim be provided with all available information about the fraudulent transaction within 10 days. I still do not know who, how, what bank, what kind of fraud etc. As a result PayPal has no claim on my funds (as described by the EFT act).

I qualify for the protection policy PayPal has. First PayPal claimed I did use non traceable delivery (express mail). When I proved them wrong, they changed strategy and told me that the reason I do not qualify is that the payment I received had no confirmed address. I could find neither of the conditions mentioned on their web site, although they might be there somewhere. Their argument: I checked the box "I agree".

The disputed sum is $537 (leftover of initial $560 transfer after they took 4% commission)

Good luck, Miguel. You can't take legal action against PayPayl because their 25-page service agreement requires you to submit to binding arbitration in lieu of legal action.

Because I am out $2900, this has been an economic impact as it would be to anyone when you are talking about this kind of money. I can't understand why they don't know where the money was transferred to. Don't they keep records of their transactions?

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

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

I contacted Paypal and they said they would "investigate" for ten to thirty days! I called my bank and their comment was that it "looked very much like the parties were working together". SUMMARY: My trust in Ebay and Paypal is gone. They together allowed unverified parties to recieve $494 in funds taken from my charge card. I hold them mutually and legally responsible; but my funds are gone. This is not right.