Please tell me more about this Jon???

 

Ok, your paypal account is linked to your actual "bank" account or credit card. Call whichever one of those was used to fund your paypal transaction and tell them this story and tell them you want to file a chargeback for unreceived goods, you'll get your money back directly from your bank/or credit card.

edit: basically your bank/credit card will tell paypal to go shove it.

 

Ok thanks, I'll try that.

 

Good luck to you.

 

This is the dumbest thing you could do, I work for paypal and already talked to the gentlemen here. What happens when you used your bank to pay is paypal fronts the money for you so the seller has the money right away then paypal processes the transaction on the back end with your bank. So if you contact your bank to reverse the charge paypal will then be out the money they fronted for you.... which big deal you are thinking. Well the big deal is if you do this paypal will take your account negative this amount and if you do not pay it back in 45 days they will send you to collections to pay it back and then guess what, there goes your credit. When you send money through paypal there is NO buyer protection for purchases not purchased off of ebay. Therefore you must use a credit card so you can file a chargeback b/c when you use your card to pay, paypal does not front any money for you so they dont care if you get the money returned b/c they wont be out any money themselves.

 

So why would paypal go after me AND the other guy for the same $800? Seems stupid. Paypal isn't doing **** for me in my situation, so I really don't care if they go out the money. I just want my money back.

 

As I explained before the money you sent with your bank PayPal FRONTED for you meaning this was paypals money so the seller could be paid. Then for the next 2-3 business days paypal processes the payment with your bank. Sooooo if you reverse the payment with your bank paypal is still out the $800 they sent for you in the first place. How is that stupid your complaining your out money which is exactly what paypal would be if you reverse the payment. They have to cover themselves also, so if you do decide to reverse that through your bank just remember your paypal account will go negative this amount. After 45 days you will be sent to collections and then your credit will be screwed.

 

So my question is WTF is paypal doing on my behalf to get my money back since his account is now negative? They just send the bill to this guys address (which I know for a fact is not his current address) and he gets off scott free with only a minor credit infraction on his credit report? This clown probably doesn't even have any type of good credit in the first place, so how the hell does that even effect him at all? All I'm saying is that this is BS, something needs to be done! And from what I understand, his account is now over -$1000 because of the LS6 intake too. So at this point, what is stopping him from just opening up another paypal account and never using the one he has currently again?

 

Depending on the claims im sure if he doesnt respond you will win the claim but they will not be able to recover the money for you unless he puts the money in his account. What will happen is his account will be restricted and they will send him to collections as well, and what happens from there is up to the collection agency. They could send him over to the authorities that part i dont know. If he opens another account he will have to have a new bank, be in a different location, sell different products and have a different name. I know some things slip through with all the customers they deal with its almost impossible to catch it all but they will match the bank account number with the name listed on the account with the bank. You are never going to stop internet fraud essentially if hes smart enough he could open another account and go through the hassle but if all that stuff is changed you wont know its him either.

 

Miller... that makes utterly no sense... I send a seller a payment with paypal... that goes into sellers account... when seller doesn't come through I am owed that money back whether the seller has it or not... I guarantee paypal would have no leg to stand on when my bank returns my rightful money to me. They don't care what problems the seller has. In the end it is still only the sellers problem.

Edit: and here is a little more ammunition which invalidates what Miller said, this is directly from Paypal's user agreement. Section 13.15
Credit card chargeback rights, if they apply, are broader than PayPal Buyer Protection: among other things chargeback rights are not limited to $2,000.00 USD per transaction, can be filed more than 45 days after the transaction, and may cover unsatisfactory items even if they are not Significantly Not as Described.
You can choose to file a Dispute through our Online Dispute Resolution process and escalate the Dispute into a Claim or to exercise your Chargeback rights. However, you cannot pursue both at the same time or seek a double recovery. If you initiate a Dispute through the Online Dispute Resolution process and you then, while the Dispute or Claim is pending, file a Chargeback, PayPal will cancel your Dispute or Claim, and you will have to rely solely on your Chargeback rights.

So yes if the claim is closed and paypal is just trying to "sit" on your money you call your bank and your bank tells paypal to go shove it because its not their money in the first place and they did not "loan" it to the seller.

 

they cant take anything to colections on either side. all they can do is hold your account in a negitive balance and not allow you to use the account any longer until you clear it up. they cant even take it from your bank account if a bank account is linked to it. it is against their user agreement. hell, how can they take it to collections when they dont have a social security number? the only way they can even get your social security number is if you opt to get into their money market. so there is absolutely no way that it can affect your credit.....Paypal is a joke when it comes to protecting buyers or sellers.......

 

LOL once again you are wrong, you just posted parts about a chargeback which is using a CREDIT CARD not your bank account directly. When you file a reversal through your bank it is an ACH return. I dont know what you dont understand about what I said when you use your bank the money that is sent up front is paypals money so the seller can be paid immediately. Then paypal processes the payment with your bank for the next 2-3 business days. Please keep telling me im wrong ive only worked here for a year and a half its not like it take over 50 calls a day dealing with this stuff everyday.

 

Thats fine then dont use paypal not everybody likes the service just use your credit card everywhere so u can file chargebacks. Its just like i said, if paypal is out money and the account is negative for more than 45 days for reversing a payment and now paypal is owed the money you will be sent to collections.

 

Here let me post something from the user agreement for you.

3.5 Bank Transfers. When Instant Transfer or eCheck is used as your Funding Source, or when you initiate an Add Funds transaction, you are requesting an electronic transfer from your bank account. For these transactions, PayPal will make electronic transfers via ACH from your bank account in the amount you specify. You agree that such requests constitute your authorization to PayPal to make the transfers, and once you have provided your authorization for the transfer, you will not be able cancel the electronic transfer. You give PayPal the right to resubmit any ACH debit you authorized that is returned for insufficient or uncollected funds. Meaning if you reverse the funds with your bank paypal is still out the money they sent initially/uncollected funds. Now paypal has the right to recollect those funds which will result in a negative balance in your account. Now for the next section for a collection agency for unpaid amounts.

10.1 Your Liability. You are responsible for all Reversals, Chargebacks, Claims, fees, fines, penalties and other liability incurred by PayPal, a PayPal User, or a third party caused by or arising out of your breach of this Agreement, and/or your use of the Services. You agree to reimburse PayPal, a User, or a third party for any and all such liability. The third party would be a collection agency.

 

So do all these rules apply to the ******* who took my money now then since his account is negative?

 

Miller... that only applies to the buyer... the buyer had the funds and everything... and it cleared his account... the problem lies with the seller now who has a negative balance and paypal is holding his money. Paypal has no right to hold HIS money... from what Chad has said the claim has been ruled in favor of the buyer (chad) so he is entitled to his money whether the seller has it or not... the only person that would/should go to collections is the Seller. Chad... what account is linked to your paypal? Like a visa debit card or your actual "checking" account?

 

I truly do apologize that you dont understand how paypal works, Ive explained this numerous amounts of times now. Lets just clear this up, if you used your debit card to pay that looks like u used a credit card then by all means file a chargeback, if you used your bank account directly DO NOT file a reversal as it WILL result in a negative balance on your paypal account. Like I said before and please understand this part, when you use your bank directly to pay, Paypal fronts the money for you meaning this is NOT your money so that the seller can be paid right away and follow seller protection guidelines. In the mean time paypal processes the payment with the bank for the next 2-3 business days on the back end. If you reverse this payment with an ACH return then paypal is STILL out the initial payment they sent for you as the seller has already withdrawn the money to their bank. Then paypal will seek reimbursement from you for reversing the charge.

 

See the problem is Miller... I HAVE done this before... and paypal did not touch my account. And as state on your paypal site with chargeback procedures they pull the funds from the seller's account. And also please let Chad respond. And to chad I'm not going to post in here anymore as Miller is making this much more difficult than necessary. Please PM me if you have anymore questions Chad, and I'm sure you know what to do for this situation.

 

It was linked directly to my bank account...

 

Call your bank and talk to them... they are ultimately the ones who hold the cards.