PayPal

wesaveyou$ eBay seller sold me a product, on 5/28/09 with several obvious defects, other than those listed in auction.

I left negative feedback to which he was allowed to reply with misinformation he knew was irrelevant to my complaint. I have no option, on eBay, to make this clear. I am an eBay buyer and seller with 100% positive feedback and until this matter have never left a negative feedback.

Though wesaveyou$ has 170 negative feedback, in the last 12 months eBay gives him a feedback score of 98.6%! This misleads others who might consider buying from this seller.

After 3 weeks with no response from him about this matter I filed a claim with PayPal, who guaranteed this auction and immediately escalated it to a claim per Pay Pal’s rules on 6/22/09. PayPal did not acknowledge the claim until today, when I filed it for a second time!

In short, I am left unsatisfied by the actions/inactions of wesaveyou$ or eBay/PayPal (PayPal is owned by eBay). In a simple matter of clearly defective merchandise I have been unable to receive any kind of satisfaction; or even direct contact (I did receive a couple of unresponsive auto-responses) from any of the other parties involved.

I rec'd an application and did not want it, went into the website to delete it and for some unknown reason, the next time I purchased something on EBay, it went directly to PayPal Buyer Credit Card. I've had nothing but problems trying to pay my bills with them. I've sent in my payment a week before my deadline and the next time I get a billing notice, it show's that, I was late in my payment and they had charged me a delinquent fee of $20.00! These guys reminds me of the "Loan Sharks" back in the days, but only legally.
My honest opinion is, don't apply for their credit card. Besides, who operates a banking company that, don't have an email address to complain too! You need to literally, write a hand written letter to these people who only have a P.O. Box.
If you do decide to call the phone number, you will be talking to someone in India, with a heavy accent, who knows the English language as a 2 or 3 language. "GOOD LUCK!"
I WAS SO DISAPPOINTED IN THIS TYPE OF SERVICE FROM "PAYPAL BUYER CREDIT". EBAY IS SUCH A WONDERFUL TOOL, AND IT'S UNFORTUNATE, THAT THEY HAVE SUCH A POOR AND NOT EVEN A MEDIOCRE CREDIT CARD SERVICE.

I recieved an email the other day saying this: Thank you for using your PayPal Debit Card for your payment of $29.99 USD to WMV*MATCH.COM [protected] TX.

I have never used this company and this charge is fraudulant and theft. I have reported it on Paypal, to the "site" Match.com and to the Internet Crime Complaint Center online. I have seen several people with this same complaint and I am curious when something is going to be done about this.

--- On Tue, 9/6/09, [protected]@nationales.es wrote:

From: [protected]@nationales.es
Subject: PAYPAL EUROPEAN DRAWS
To:
Date: Tuesday, 9 June, 2009, 5:32 PM

PAYPAL EUROPEAN DRAWS

Attn User!

This is to notify you that this e-mail address was entered during the
Paypal European selection Draws and has won the sum of € 450, 550.
For claim please contact the below company for immediate process of your
claim; Remember to quote these numbers below for verification by the
company. REF: PP-21180-ES and BATCH: PP-245-44 you should include Your
Name, Address, Sex, Age, Occupation, Nationality, Phone Number
Company: LIBERTY SEGUROS S.A
Email:[protected]@comerciales.es or [protected]@luckymail.com
Mr. Domingo Cortes (Claim Director)
TEL: +[protected]
Fax: +[protected]

Best regards,
Dr.Maria Jose Muyor
Paypal Europe Coordinator

i bought a pandora necklace 79.99 from haveabead and it's defective. pandora keeps their prices up. i wondered how he can sell lower. in teeny tiny letters his auction states he's not an authorized pandora dealer. when i think about it, the items that do not meet pandora's standards have to go somewhere. maybe it was something someone returned to the store. he's a power seller. i'm not buying like that again.

i bid on 6.99 pandora from hong kong on ebay. is that not a red flag? they advertise it as authentic and of course it can't be. 6 minutes left on the auction, i bid. i was notified i was the 1st bidder. couple seconds later i get an email i've been outbid. then i get a notice the auction ended and i was outbid. then i get a 2nd chance offer as the winning bidder cannot buy the item for some stupid reason that i can't remember. that's a setup and ebay allows that. it's an ebayer from hong kong.

i'm a seller also. i hadn't sold anything for 6 months and i got online and sold a pin and peepal put a hold on my money. i found out my money was held when i took the pin to the post office and my peepal card was declined. they said when i get feedback from the buyer, they will release my funds. it was because i hadn't had any feedback on ebay for awhile. if you're not selling anything, that should come as no surprise. a lot of people don't leave feedback. they say if the buyer doesn't leave feedback, they will release in 21 days. he left feedback. sure came as a surprise to me. i have 100% pos feedback.

i think they should be dumping these crooked hong kong pandora auctions and not harrassing honest sellers.

a lot of the electronics is refurbished so you don't know what you are getting. a lot of the designer bags are fakes.

i think you have to be really leary about people selling new.

ebay does not monitor that. power sellers make ebay a lot of money.

ebay is not the safest place to buy either.

buyers can be liars too.

Ordered Ellery Queen on DVD . Was charged $39.98 for the DVD's plus $12.70 for shipping and handling plus $3.30 for sales tax thru PAYPAL. PAYPAL has done nothing and by all the complaints I see about PAYPAL, probably will do nothing. I have provided a picture of the shipping & handling, not $12.70 worth by any means. I have returned the DVD's twice. Leticia Shroff refused to go to the post office and pick it up, so it was returned to me. The second time I have a record when it was returned to her apartment.

I have filed a complaint with the BBB. I will wait that out, then file a complaint in Small Claims Court. The website should be shut down immediately because your dealing with bootlegged DVDs and Leticia Shroff should not be allowed to do business anywhere. PAYPAL should be shutdown, too, because of all of the complaints. It was purchased thru PAYPAL and they should be responsible enough to help all of us that have been ripped off by Leticia Shroff.

I had a GE Money bank Paypal credit card for 1 year. All went well, I paid on time and even paid the account off in full 3 times (proving I have the ability to do so). In January 2009 I began to have problems. First they claimed that my payment was returned. They claimed "no account found" my bank said they never returned anything. At this time they charged me 35.00 for a returned check, which was actually a returned electronic payment. My bank information was saved under payment preferences on the website and never changed. I went in and retyped my info and made another payment. It then happened again! I was charged another 35.00 AND a late fee of 40.00 something dollars. Incredible! I had to mail in a payment to clear the whole thing up. At this point I had spoken to their ridiculous customer service who is completly useless. I think there are a total of three people who do not speak clear english sitting in a room laughing at all of us. I should have closed it then and there! But I didn't and things got worse. I started having my card declined weekly if not more. Not even for large amounts, one charge of 2.38 was declined. This was really embarrassing. I called and they said it was "fraud protection". They would just lock my account whenever they deemed it could be a fraudulent charge. It made me furious on more than one occassion. I would call, they would question me and then unlock the account. Fine enough..I decided I would pay it off and close it as soon as I could. Well one day I noticed that I couldn't redeem my 5, 786 points on the website. I didn't bother calling because it's pointless. that same day I recieved a letter stating that my account had been closed. WHAT? it said after a "review" of my account I had too many dishonered payments and my account was closed. I called..I explained that those dishonered payments were not truly dishonered and that it was something in their system that caused the "no account found". They said that their computer looks for dishonered payments and doesn't care why. So, now my account is closed, fine. BUT now I will have a bad mark on my credit! They said I could report it to the Fair credit report act (which I am ) but other than that..they could do nothing. I am amazed..in these times you would think they would want customers like me who actually pay them. I feel that their practices are fraudulent . My advice to anyone is to stay away. Any company/bank that doesn't have an email address to contact them through is suspicous to me. Both GE money bank and PAYpal credit card websites have no email address for customers. You can only call or write letter. I've never been treated so poorly in my life! If you have this credit card, mail in your payments and make should you keep copies and good records of everything you do with them!

Follolwing is copy of the e-mail I received today from those GEnius, guess what account am I closing today?:
The phone they give for optout requires we to dial in the credit card number...but I have not credit card from them (Only paypal account) so call is terminated in their side without options.

IMPORTANT SUPPLEMENT TO YOUR PAYPAL BUYER CREDIT ACCOUNT AGREEMENT

The following provision is being added to your PayPal Buyer Credit account agreement:

You agree that GE Money Bank and any other owner or servicer of your account may contact you about your account using any contact information or cell phone numbers you provide (whether previously provided or provided in the future).
You expressly agree to the use of any automatic telephone dialing system and/or artificial or prerecorded voice when contacting you, even if you are charged for the call under your phone plan.
The above provision will become part of your account agreement if you consent to the provision by (i) using your account more than 15 days after this notice is delivered to you or (ii) keeping your account open after March 15, 2009. If you do either of these things, we will conclude that you have consented to being contacted on your cell phone in this way. If you do not want to be contacted on your cell phone in this way, you may call us at [protected] at any time.
Note: This email was sent to you by GE Money Bank's PayPal Buyer Credit Services division to provide important account servicing information regarding your PayPal Buyer Credit Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your PayPal Buyer Credit Account. GE Money Bank is located at 4246 South Riverboat Rd, Suite 200, Salt Lake City, Utah, 84123, USA.

This is an unmonitored email box. Please do not reply to this email.

Attempting to log on to Paypal account payment website as
displayed on account billing statement...Site will not display nor
can it be reached. Results in missed payments or late payment fee
charges.

Paid $5.00 to Pay Pal for their Security Key. An employee changed account info which defeated the Key.

I have tried for two years calling/writing and they admit they do not refund any money.

How many people have this useless Key?

How much money has PayPal made with this gimmick?

Beware when using multiple Ebay Gift Cards to make an online purchase. I have noticed that when trying to "use up" gift cards with small balances that the Ebay system will charge the full amount of the transaction to the final card used if it contains sufficient funds to cover the transaction. In other words even though you enter the Redemption Code for a card with a $10.00 balance first, then use the code from a card with a $50.00 balance second, for say a $30.00 purchase, the entire $30.00 will be deducted from the second card. Which leaves $10.00 on the first card, which you have no way of knowing. If you pitch the card then your out of luck. SURPRIZE!

There are no indications provided during the checkout process that would alert you that they did this. I wonder how many folks have throw their money in the trash can because of this. Good for Ebay! Bad for customers.

I mailed a payment in January that for some reason they did not receive or did not process. On my next bill I noticed a late payment notice, a jump in my interest rate from 9.99% to 28.99% and excessive finance charges as a result. I immediately called after seeing the payment didn't process through my bank.

When I spoke with someone I was told I'd have to write a letter to a seperate office in TX to have them review my account and see if they could do anything about the charges and increased interest. When I asked to speak to a supervisor I was put on hold for 20 minutes and when the supervisor answered I was told that I couldn't even pay over the phone without a $15 fee that they would not wave. I was told that person's supervisor was not in.

I'll be paying my balance and closing the card (if I can figure out how to do that since they won't let me do it over the phone or online.) All in all the service SUCKS. I'll stick with my MBNA, Amex and Discover.

I requested tech support with my computer today
by addressingwwwmicrosoft.com.
They relayed me to AOLTECHBLB which relayed me to Pay Pal .Com I just did this today and already my credit card was charged the amount
designated. They gave me the telophone number of [protected]. when i call this number they say I have no account with them- But this amount was
charged to this number today.
I hope you can help me. I may have to cancel out this card after paying it off if I can't get it cancelled.
If you can help me I would appreciate.

Greetings from PayPal Inc.

At PayPal, maintaining your account's security is our top priority. To augment the security measures that we take on your behalf, there are steps that you can take to help protect your account from fraud and scams.

On 29 Jan 2009, after a regularly check of your account we notice that you receive the amount of $1.212.01 from a fraudulent PayPal account([protected]@att.com). After that, we notice that you transfer the money to the account ([protected]@aol.com). This transaction that you made look very suspicious to us and we decide to temporary block your account access. These types of activity are often conducted as forms of money laundering or mail fraud and may result in significant criminal penalties. If you didn't make this transaction please visit the resolution center and urgent complete the steps to remove limitation.

Visit now the Resolution Center and complete your checklist items to remove your limitation.

The Federal Trade Commission has estimated that identity theft affects 10 million Americans per year and costs businesses more than $50 billion. Don't be a victim of identity theft.

Sincerely,
2009 PayPal Inc.

Any sellers that used paypal to receive payments, should check their account very closely, as paypal can reverse the payment you have received and then leave it on held for ever, and when I contacted them, they claimed that it is a system 'problem' and therefore if you do not keep a close eye on your paypal account, paypal could held your money for ever, and you might not even know they are doing so, because the transaction might not show up in the dispute/resolution log. They even keep holding my $$$ when their system closed the case and 'claimed' the $$$ on hold was released back to my account, and should be available for my used.

How can the self proclaimed 'largest processor of payment on ebay' which handled billions of $$$ in transactions had a stupid outdated system like the one they have?

I beat if paypal done that to me, they would have done the same thing to other sellers.

Lawyers out there, you should look into this and clearly paypal not only violated banking laws, possible other laws, when they illegally held others $$$ and avoid to pay the interest on the $$$ they are holding.

In my case, they are not paying interest, on $$$ they claimed they have released back to my account and available for my use.

Recieved e-mail:ref: sr000847
Congratulation selected winner,

The paypal payback raffle draw conducted in january 2009, the results has
Just been released today. And we wish to announce to you that you have
Been selected as one of the lucky winners of paypal promotion draw
With a ticket no: a0258176x, ref: sr000847 making you the winner of
The total prize of one million pounds sterling (1, 000, 000.00 gbp).

How do I claim my prize?
All claim will be verified by our agent company, you are therefore
Require to send corresponding mail notice for claim to our agent with
The information along with your name address, sex, age, nationality,
Occupation and telephone number.

Upon confirmation of your status, your prize fund will made available
For payment by our paying banks.

Contact claim agent company: royal bob hilton and securities
Claims agent name: davis oliver
Tel: +[protected]

Happy ending to story - my daughter and I found the perfect uggs on nike-trade.com, for $65 less, ordered through paypal, and then found all the complaints against the compnay. I immediately logged back into paypal and saw the sellers name was in chinese, not english, so I got nervous. I emailed paypal and the email address that had been at the bottom of the paypal confirmation, and lo and behold, I did get my money back the next day!

I was also reading on some other website on how to identify fake uggs and it states that although it's an australian company, the boots are now actually made in china.

Regardless of if they would have been fake or not, I am glad I got my $125 back! I paid for an item via paypal one time and the person closed their account before I could get my $ money when the camera never arrived...

Worship Empire appear to be a fraudulent company that take your money but don't send the goods. Insult to injury - Paypal so called "secure payment" wash their hands of it - after the event. Surely they should keep closer tabs on defaulting companies and remove the Paypal facilities rather than letting more and more people fall into the same trap.

Fortunately this lesson only cost me £11.65 - but had I used a credit card instead of Paypal I could have claimed the money back.

Paypal response was:

After careful review, we have concluded our investigation of the Buyer
Complaint described below.

We have decided in your favour, however, we were unable to recover any
funds from the seller's account. As stated in the PayPal User Agreement,
recovery of funds associated with a Buyer Complaint cannot be guaranteed.

Please know that we will make our best effort to recover the funds in
question if they become available in the seller's account in the future,
and will take appropriate action against the seller. Such action may
include issuing a warning, a temporary restriction, or terminating the
account. Keep in mind that PayPal uses a number of factors, including
member complaints, to determine when to take action. Due to privacy laws,
we cannot discuss the details of any action taken. We hope you understand
our policy and that it reassures you that you are safe using PayPal.

-----------------------------------
Transaction Details
-----------------------------------

Seller's name: Worship Empire LLC
Seller's email: [protected]@worshipempire.com
Seller's transaction ID: 32506404RB

Transaction date: 26 Nov 2008
Transaction amount: -11.65 GBP
Your transaction ID: 8TA33905T2628
Case number: PP-607-449

-----------------------------------
What to Do Next
-----------------------------------

This case is now closed. No further action is required by you at this time.

As an independent business person who deals with many overseas clients, I've been a long-time user of PayPal's convenient online invoicing and payment services. PayPal traditionally requires some sort of bank collateral in order activate a user's account. In my case, it's been a Visa card I've used for several years.

THE PROBLEM: Unfortunately earlier this month my Visa card info was stolen by an online vendor (NOT RELATED TO PAYPAL), so my bank canceled that Visa card an reissued me a new card with a new number. When I went to update that Visa card information on my PayPal account, PayPal refused to accept the new card and displayed the following message:

"We cannot link and confirm your card at this time. Please link a different card or confirm a card already attached to your PayPal account."

Despite repeated attempts over the next few days, PayPal refused to accept the new card, always displaying the same error message. Meanwhile my account became inactive--I could neither send nor receive payments, because I now had no valid card on file with PayPay. I sent an e-mail explaining the problem, but never heard back.

Today I finally called PayPal customer service, and after being transferred to several different departments (and in one case being disconnected entirely) and being given several explanations as to first: why I shouldn't be getting this error; then second: why I was getting this error, I was told that the PayPal system was set up to accept only one (1) Visa card.

Yes, according to customer service, the reason I cannot not update my Visa card information is because the PayPal system is set up to accept one (1) and only one Visa card. If you cancel that card, your only option is to register a non-Visa card, e.g., Mastercard, Amex, Discover. I kid you not.

Fortunately I have a Discover card, so I registered with that (and now I have to wait 2-3 days to complete a convoluted acceptance process).

What annoys me is the amount of work I had to do in order to uncover that information--several days of fruitlessly filling out the PayPal credit card forms, an ignored e-mail request for help, then an aggravating hour on the phone with PayPal customer service.

I've got this email. I'm sure, this is scam.

— on sun, 12/7/08, thein swe wrote:

From: thein swe
Subject: paypal payback raffle draw!
To:
Date: sunday, december 7, 2008, 12:53 pm

Central claim office, machester city
61b ashbourne avenue,
Manchester, nw11 0dt,
United kingdom

Ref: sr000847
Congratulation selected winner,

The paypal payback raffle draw conducted in november 2008, the results has
Just been released today. And we wish to announce to you that you have
Been selected as one of the lucky winners of paypal promotion draw
With a ticket no: a0258176x, ref: sr000847 making you the winner of
The total prize of one million pounds sterling (1, 000, 000.00 gbp).

How do I claim my prize?
All claim will be verified by our agent company, you are therefore
Require to send corresponding mail notice for claim to our agent with
The information along with your name address, sex, age, nationality,
Occupation and telephone number.

Upon confirmation of your status, your prize fund will made available
For payment by our paying banks.

Contact claim agent company: royal bob hilton and securities
Claims agent name: davis oliver
Tel: +[protected]
Email: royal. [protected]@8u8.com

Congratulation again and we wish you more chances.

Hernаndez francisco adriаn
Europe organizing committee
Manchester city central claims office