PayPal Issue

[makemepretty]

Also wanted to add that if you buy something anywhere else but ebay, the buyer protection does not apply at all. If you order from a site, get it and they sent you something completely different or broken and the seller says "oh well" and you file a dispute...guess what? Paypal says that it's not even considered because it wasn't done through ebay. There are seriously tons of people who have lost money to paypal(it's scary) I read up on it after I had two things happen to me. Their seller protection plan doesn't apply if someone stole the other persons information or hacked into their account. Which means if you send it to the address paypal tells you to, use tracking and signature(and there's a whole bunch of other loophole stuff you have to do) it won't mean a thing if the person said "that wasn't an authorized purchase, I don't know where all that information came from in my account...someone must have changed it".

Remember, your cc company will protect you but not paypal. NEVER use funds in your account, never use direct transfer from your bank account, only use your cc with them(if it were up to me, I'd tell you to never use paypal). Hundreds upon hundreds of people have been ripped off by them I don't understand how they are still in business. Scammers get smarter and smarter and learn how to take funds out of peoples accounts and paypal doesn't want to lose money so of course they'd rather take the money from the honest people who actually have it than try to get back from a scammer who they can't find. Enough about that depressing subject but I never knew this stuff before it happened to me.

[daisy mae06]

Like PayPal or not that is everyones choice. But they would not be the copany they are today if not for all who do like them

[daisy mae06]

Originally Posted by makemepretty

Also wanted to add that if you buy something anywhere else but ebay, the buyer protection does not apply at all. If you order from a site, get it and they sent you something completely different or broken and the seller says "oh well" and you file a dispute...guess what? Paypal says that it's not even considered because it wasn't done through ebay. There are seriously tons of people who have lost money to paypal(it's scary) I read up on it after I had two things happen to me. Their seller protection plan doesn't apply if someone stole the other persons information or hacked into their account. Which means if you send it to the address paypal tells you to, use tracking and signature(and there's a whole bunch of other loophole stuff you have to do) it won't mean a thing if the person said "that wasn't an authorized purchase, I don't know where all that information came from in my account...someone must have changed it".

Remember, your cc company will protect you but not paypal. NEVER use funds in your account, never use direct transfer from your bank account, only use your cc with them(if it were up to me, I'd tell you to never use paypal). Hundreds upon hundreds of people have been ripped off by them I don't understand how they are still in business. Scammers get smarter and smarter and learn how to take funds out of peoples accounts and paypal doesn't want to lose money so of course they'd rather take the money from the honest people who actually have it than try to get back from a scammer who they can't find. Enough about that depressing subject but I never knew this stuff before it happened to me.

Just so you know that ebay statement is not true. It applys to all sales for real goods.

For your transaction to qualify, you must ship the item to an eligible address. PayPal is continually working to increase the number of eligible buyer addresses. To determine shipping address eligibility, refer to the shipping address area of your Transaction Details page.
Item is a tangible good.

Only physical goods are covered by the Seller Protection Policy. Intangible goods, such as services or items delivered electronically (e.g., software, MP3s, eBooks), are not covered.

[BabyFidgette]

Originally Posted by chattiesmom

This is a first for me. If anyone here has had this problem, I would appreciate some input. Please note that this situation DOES NOT involve a YorkieTalk member -- if it did I would contact them privately and discretelyto resolve the matter.

On September 7th I received a payment. On September 12th that payment was reversed and a hold was placed upon the funds. What I can't understand is why it would take 5 days for an electronic transfer to bounce.

The buyer contacted me and told me that they had "changed" their paypal account and that I should "try" again. Frankly I don't buy that. Paypal has always been very efficient in updating any change that I have made to my account. None of the options in the resolution area apply -- they need an option to that reads -- I just got ripped off by a customer I trusted.

Wow, I've never heard of that. So, you sent her her items and now your money is gone? Demand her to repay you!

[daisy mae06]

Originally Posted by BabyFidgette

Wow, I've never heard of that. So, you sent her her items and now your money is gone? Demand her to repay you!

it was all cleared up thank god

[BabyFidgette]

Originally Posted by daisy mae06

it was all cleared up thank god

Oh good!

[makemepretty]

The ebay statement is true. As a buyer, if you file a dispute for "item not as described" from any vendor OTHER than ebay it will be denied if it goes all the way through the process. They only cover "item NOT received" disputes for vendors other than ebay. I know this to be a fact because it happened to me(I'm not just guessing here) and the only reason they gave was because the transaction wasn't through ebay.

I ended up having to contact my credit card company and they covered my purchase(thankfully) since it was not even close to what I was sold.

I'm glad you got your situation worked out though. It can be very stressful.

[chattiesmom]

DaisyMae -- once again I do appreciate all of your help. The information you provided helped me resolve my problem. I have every confidence that if I use Buyer/Seller Protection and follow the "rules" that my purchases will be safe. That is MY decision and MY choice. This particular problem was not with PayPal it was with the buyer.

[cj125]

Cindy - glad to hear that you got your money and the problem resolved.

I would like to add that I've been a member of eBay since the year it started and the same for PayPal and I have never had a problem with either. I did have a couple of problems with 2 maybe 3 sellers but everything was taken care of. I'm really sorry that so many have had problems because I think PayPal is a great service. I hadn't written a check in so many years that I don't even have them anymore. I had to take one from our house acct (that hubby still writes) and use it for one vendor here on YT - I almost forgot how to write one... and that's funny because I work at a bank and that's all I look at all day