Many chargebacks that happen are due to stolen credit cards. If you had your credit card stolen, i bet you would want your money back. for sellers, follow the rules. all of them, not just the ones you want to. its very simple to find all of the rules for protection of sellers on the website. if you dont follow the rules, its your own fault

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PPgirl2,

One of PP's biggest flaws is their lack of communication skills. Their inability to listen or hear. Most people at this site have encountered this and are well aware of it. So, you coming here to personally demonstrate this, serves absolutely no purpose?

Indidvidual identity information is released to both buyer and seller at the onset of a transaction. Revealing a CCC only, not CCC acct. #, shouldn't be illegal.

Why would PP want to hamper or suppress progress? Require a supoena before they would assist and release simple contact information ?

I once had a customer who made a purchase from me with an xgirlfriends CC. Needless to say when she received her statement she objected to paying the charge. I was notified of this by her CCC. As the merchant/seller in this transaction I was entitled to be made aware of any potential action the CCC might take before they took it. Such as withholding or reversing payment. I was also entitled to respond, to have a say. This is not an illegal process.


Run a smarter business?? For nearly 6mths, I exhausted every effort humanly possible trying to communicate with PP. Ultimately, it was impossible. With no other recourse I had to sue to recover my money. Of course as our court date drew close I was contacted by a PP employee who was totally communicative, to settle out of court. According to her, how the mess was created, during PP's interenet questionaire process, while answering the questions, my buyer lied. According to her, this is how he got away with never making contact or communicating a problem with me first, before PP allowed him to file. Of course he didn't actually have any problem. He lied about that too.

Run a smarter business?? With a few clicks from a mouse my buyer was allowed to report a lie. Per PP's system, an unsubstantiated lie. In exchange, I got nearly six months of grief.

Run a smarter business?? What kind of system doesn't account for the possibility of a lie? Doesn't substantiate information before imposing hell?


Run a smarter business?? How simple would it be for PP to notify the other party? Dear other party/seller...We (PP) are notifying you that a buyer has reported the following....which entitles the buyer to file a claim with PP that request PP intervention and assistance. To avoid claim action and or PP intervention the following is required.

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Uh NOOOOOOOOOOOOOOOOOOOOOOOO

YOU ARE NOT !!!

Go actually check yourself you MORON!!!

Paypal is NOT A FINANCIAL INSTITUTION IN THE UNITED STATES!!!!

You are not FDIC Insured
You are not Federally Regulated - if you were, you'd be closed right now.
You do not disclose your transactions to the Federal Reserve - if you did you'd all be in jail on rico conviction right now !!!




PP-Victim

Quote:

---

PP-victim, uh, yes, in the United States we are a Online Financial Institution. In the European Union, we USED to be an Electronic Money Transfer Service. (we are now a bank there, by the way.) The reason we are a financial institution in the US, by the way, is because of our old and annoying senators and congressman who think the internet is a "Series of tubes" to quote Ted Stevens, the crazy old coot from Alaska, who nevertheless is on some committee that oversees the internet. Our government doesn't understand the difference and there is no "electronic money service" in the US except for places like Western Union. We are NOT a bank. There is however, a legal difference between a financial institution and a bank. The primary one is, we don't have to follow state or federal banking laws. Which is nice for us, and confusing for you. You have a merchant account with a Federal Bank? then they have to be audited by the OCC, the Office of the Comptroller of the Currency, a branch of the Federal Government under the Treasury Service, several times a year. They can be fined by them, and it costs a lot of money to prepare for the audits. So they pass some of that cost on to you, by charging you much higher rates than PayPal does.

And here's something shocking.....there are a LOT of LARGE companies out there, that use PayPal , YES PayPal, for their credit card processing online. you know why? Cus we're cheaper than a merchant bank. If you have NEVER used PayPal or swear you will never use them again, you may actually have. Check your credit card or bank statement. And for some of the really big companies you won't see our name at ALL, just theirs. But you still used PayPal.

---

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PPgirl2,

Oh wait... sniff sniff... there's that smell again - oh its PPgirl2 and her BULLSH*T

Ya know, I really have to laugh because everytime you slither out of your hole and show up here, you expose yourself and your craptastic company for what it is - LIARS - LIARS - LIARS !!!

Not one word of what you just typed is even remotely close to the truth and you always leave off with your brainwashed bullsh*t ending - read the agreement which is the constitution of crap for paypal... your pieces of garbage are going down -

Viva Google Checkout - sign up, use it, take down paypal !!!!

Support the Ebay/Paypal class action lawsuit barring the use of Googlecheckout!


PP-Victim

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dr_strangelove,

If you can prove that you shipped the item to the billable address of the buyers credit card (confirmed address) and the buyer didnt return the item, contact the Federal Trade Commission, or your governemnt fraud reporting agency and clearly state to them that PayPal illegally took your money and prove the agency with all the proof that money is being held illegal by PayPal. After you get a case number contact PayPal and tell them you will presue it further with a lawyer and give them the case number you'll mysteriously see your money back in your possession.

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sulph1966,

If PayPal took $350 out of your bank account, then go to your bank and file a dispute for "unauthorized use". If they try to debit your account because of it, tell the branch manager to place a freeze on PayPal's merchant transaction account number. That will prevent PayPal from debiting your account. PayPal cannot do jack sh it about the your bank taking the money away from PayPal because its a fraudulent - unauthorized debit they made out of your bank account.

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PPgirl2,

OK STOP THE BULLSH IT RIGHT NOW PPGIRL. >>>>>>>.PAYPAL IS NOT IS NOT IS NOT A FINANCIAL INSTITUTION YOU LYING POS. <<<<<<<<<<< A COURT ORDER STATED THAT PAYPAL IS ONLY AND ONLY IS A PAYMENT SERVICE - NOTHING MORE!

PayPal IS NOT a financial institution. PayPal funds ARE NOT FDIC insured, the DO NOT have a financial charter license under juridication financial code 124a from the Federal Reserve. PayPal uses Wells Fargo as their transfer point of funds and storage of funds.

PPGIRL is nothing but a lying POS! Oh so the US Government doesnt know the difference and PayPal obviously knows something. What a fu cken load of bullshit.

Ladies Gentlemen! You've heard more mother fuc ken lies from a typical bullsh it PayPal employee. EVERY SINGLE POST THIS POS HASNT SAID ANYTHING AGINST PAYPAL - ALWAYS DEFENDING THEM.

Every single post states one thing Its not PayPal's fault so its obviously the 1/2 million people and posts on this website that is wrong and PayPal is always right...No wonder PayPal always settles out of court and says "Oh we didnt do anything wrong".

SAY ASTA LA VISTA TO PAYPAL!

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PP-victim, uh, yes, in the United States we are a Online Financial Institution. In the European Union, we USED to be an Electronic Money Transfer Service. (we are now a bank there, by the way.) The reason we are a financial institution in the US, by the way, is because of our old and annoying senators and congressman who think the internet is a "Series of tubes" to quote Ted Stevens, the crazy old coot from Alaska, who nevertheless is on some committee that oversees the internet. Our government doesn't understand the difference and there is no "electronic money service" in the US except for places like Western Union. We are NOT a bank. There is however, a legal difference between a financial institution and a bank. The primary one is, we don't have to follow state or federal banking laws. Which is nice for us, and confusing for you. You have a merchant account with a Federal Bank? then they have to be audited by the OCC, the Office of the Comptroller of the Currency, a branch of the Federal Government under the Treasury Service, several times a year. They can be fined by them, and it costs a lot of money to prepare for the audits. So they pass some of that cost on to you, by charging you much higher rates than PayPal does.

And here's something shocking.....there are a LOT of LARGE companies out there, that use PayPal , YES PayPal, for their credit card processing online. you know why? Cus we're cheaper than a merchant bank. If you have NEVER used PayPal or swear you will never use them again, you may actually have. Check your credit card or bank statement. And for some of the really big companies you won't see our name at ALL, just theirs. But you still used PayPal.

CLICK HERE FOR OUR PAYPAL ALTERNATIVE

PP-victim, Wow, take the chargeback fee??? The chargeback fee we charge is TEN BUCKS and WE get charged about $250 for every chargeback. So we are passing on not even 1% to you, the seller. And you complain about that. Have a mechant account and you will pay the entire $250! Never have I read such idiocy as in this section of this website. If you followed Seller Protection we don't take the money, (up to $5K a year) and won't charge you a fee. Unless it's a not as described chargeback, but those are rare and we usually win those. And we do, every time, give the credit card company all the info you give us, as well as our own info. And the "do business without seeing financial information" works that way! We can't share the buyers info or their credit card company. You want to take them to court? Be our guest, and we'll give you the info if you subpoena us. Don't do it for a couple hundred bucks though, it's probably not worth your while. Just run a smarter business!

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What can I say. There are not any swear words foul enough to describe (and i will try) the complete ****ing criminal ****s that run ebay and paypal. How the **** they are able to get away with the shit they do is beyond me. Recently ebay has removed most of not all seller protections and still stupid ****s take paypal and then take it up the ass.

When the ****ing shit that currently runs Scampal dies can someone please tell me where the ****ers grave id so I can shit on it.

**** You Paypal. **** You Ebay - You theiving, cheating scum sucking dick sucking toilet trading ****s!

---------------------------

Ahhhhh, sorry if that crossed any decency lines - but I really needed that!

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PaypalSucks,

Oh, I hate paypal! I rarely use the shit hole service. I got hit with a hugh charge about 6 months ago. I called and they told me the charge resulted from my account being "premier". Ok, so I downgraded and was promised "No more big charges". I used it tonight and BANG! The mother ****ers hit me for 5%. I call and am told it was because I am not a "premier" account.

I HATE THOSE BASTARDS!

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G'day,
Needa number to contact paypal..I am in Aust.
Paypal flagged unauthorised activity and limited my account.
They have placed the $350 stolen from my bank account into my limited paypal account.
I just want it back in my bank account asap!!!
Not in a hurry to reopen paypal again.
Regards,

Sulph1966

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Givenupmybusiness,

This is the exact problem, Paypal doesn't care and takes their chargeback fee and walks away. If you used a REAL merchant service that doesn't get in your way of fighting your own battle with the credit card issuer company - step aside paypal and let people do their own work....

You'd be able to directly present your evidence directly to the credit card company and they would've plainly saw that their client commited fraud and you would've gotten you money back.

Do you actually think paypal showed ANY of that info to the credit card issuing bank? Of course not, will they show you proof - OF COURSE NOT !!!

This is where you go down and file a claim in small claims court, submit your evidence and sue Paypal for violating their seller protection contract and demand that paypal either proof in court that they contacted the card issuer back and got a denial for refund response OR paypal pay you the $800...

Take them to small claims court - you'll win - DO IT !!!



PP-Victim

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Quote:

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HI my name is helene as you can see on my email addres I am a PayPal employee.
I went on this website by curiosity to have a look and I am amazed about how people can talk about things they do really know.
I work on buyers complaints myself, I know our system is not 100 % perfect but how is?
When someone open a complaint we make an investigation on both side and do our best to get a refund from bad seller but sometimes it is just impossible to recover it because we can just simply travel to that person house and say listen give us our money back this is the web buyer know that risk and IT IS WRITEN IN OUR USER AGREEMENT.

---

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This is precisely the problem, one that PPgirl can't get threw his brainwashed mind -

Paypal is a money transfer service (more like a money laundering service for their own internal corporate crimes!!!)

They keep EVERYTHING private, show you NO proof of anything, always fall back on their non-enforceable User Agreement which can only be enforced in their private little paypal.com world, but is WORTHLESS in the real world - specifically Courts - which is where they DON'T want to see people going as they (paypal) know they'll lose everytime.

They been pulling the dirtiest of dirt legal tricks with strongarm collections agents which aren't even operating legally - send them a validation letter and they scurry right back into the cracks they crawled out from, take paypal to court and they play all of this arbitration and venue non-sense, all to try and trick people into paying.

Any REAL money processor will inform the merchant of chargebacks, send the information from the issuer bank and you can then deal with it directly to resolve it.

Paypal decides IT will handle everything, even to the point where it will say "hey, yeah you've got a chargeback, but we're not going to give you any info, nor will we (paypal) fight it, so BINGO - you lose automatically and don't even get a say in the matter to work it out with the issuer bank. Ask Paypal to even prove the chargeback is even real and that its not some clerical error - no way, no how, get a court order, yeah right, like everyone has to run out and get a court order everytime they demand proof and this is where the whole collections crap comes into play -

Paypal can't have it both ways - demand a debt AND not show proof, so their little secret iron curtain of fiduciary misconduct only works in paypal.com-land and not in the real world.

I almost got scammed by these assh*les, I came here, got great advice, got to work and have been given paypal black eyes ever since and now I am actively going to help others too, paypal can't keep this up for too much longer, plus Googlecheckout is really picking up momentum and that will be THE service to finally crush and destroy paypal.

PP-Victim

Quote:

---

I have on different occasions requested their address which the Small Claims Court in UK need to start proocedings.
Do you know it, because they will not tell me!!
Roy Marshall

-----
Hi Roy,

I recently telephoned PayPal and the strong accent of the lady I was speaking to made it difficult for me understand what she was saying - even though english is my first language!

It seems that I touched on a raw nerve when, out of sheer desperation, I asked her what country she was speaking from. Imagine my surprise when she tersely replied; 'I'm not at liberty to divulge that information'.

So just what sort of secret society is PayPal operating? Are its offices located within the bowels of 10 Downing Street, or possibly The Pentagon or the White House? Have aliens landed and are already in the process of taking over the world's financial institutions?

If I can't even find out which country I'm speaking to what chance has anyone got of obtaining an accurate address for PayPal?

---

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