I recently purchased a laptop charger on eBay from a PowerSeller because my charger died. First off, I thought the shipping was too much, but, at the time, I didn't say anything. I got the charger about 4 days after paying. When I plugged it into my laptop, the green light didn't come on, and the computer didn't power up.
So I emailed the seller and asked for a refund and told him what the problem was. I noticed that the charger looked cheap in person, and not on the photo on the listing. It was a generic charger, and not what I wanted, which was the genuine Dell charger. I've heard about generic chargers not working, and this was no exception. And, YES, I realize I should have asked before bidding! My mistake!
I got an email back the next day from the seller stating that he would provide me with an even exchange (not what I requested). I mailed him back again and told him that I wanted a refund. I never heard from him directly after that, so I left a neutral feedback score saying such. Then, I decided that it had been 5 days since I emailed him about the refund the 2nd time, I would file a claim with PayPal, just in case.
I told the truth and said what I said here. They asked me to ship the item back to the seller, which I was hesitant about because I was already out of the money, but I did what they asked and sent it Priority Mail with Delivery Confirmation. I sent them the Confirmation number as asked. When I paid for the shipping, it was not $9.99 as the seller charged (he shipped in a flat rate box, too), but $4.75 (I shipped in a regular padded envelope)! I told PayPal that he overcharged in shipping. $5 is a big difference!
So I waited about 2 weeks and got my answer today thanking me for sending the item back as requested and they are refunding my full amount of $19.94!!! I was worried since the seller was a PowerSeller, and I've heard horror stories of people getting screwed out of their money, but I am happy to report that I had no problems! I am happy with PayPal!
MINNEAPOLIS, MINNESOTA -- I received the below email, and I am not sure if it is a scam. I have never used Pay Pal, so I don't see why they would be sending me this email. While I am smart enough to know better than to believe it, I was wondering if anyone knew where to report it? Surely Pay Pal would like to know? Thanks!
We recently noticed one or more attempts to log in to your PayPal account from a foreign IP address. If you recently accessed your account while traveling, the unusual log in attempts may have been initiated by you. However if you are the rightful holder of the account,click on the link below to log into the account and follow the instructions.
https://www.paypal.com/us/cgi-bin/webscr?cmd=_login-run. If you choose not to complete the request, you give us no choice but to suspend your account temporary. It takes at least 72 hours for the investigation in this case and we strongly recommend you to verify your account at that time.
If you received this notice and you are not the authorized account holder, please be aware that it is in violation of PayPal policy to represent oneself as another PayPal user.Such action may also be in violation of local, national, and/or international law. PayPal is committed to assist law enforcement with any inquires related attempts to misappropriate personal information with the intent to commit fraud or theft. Information will be provided at the request or law enforcement agencies to ensure that perpetrators are prosecuted to the fullest extent of the law. Thanks for your patience as we work together to protect your account. PayPal Account Review Department.
OMAHA -- I just got off the phone with one of the JERKS in PayPal's/GE Money Credit customer service department. When calling I had no intention of closing my account, however, after talking to the guy on the phone and how rude he was, I closed it immediately. I can't believe they have people working for them like this. I have had an account with them for quite some time and have always made my payments on time. I thought when I was making my payments
I was actually making one ahead, but for some reason, they were doubling reflecting on the same billing cycle. I wanted to see if there was something we could do to work this out, (i.e. credit late fee) since in good faith I thought I was making my payment not only on time, but ahead of the game. The guy on the phone was rude and not willing to work with me. I don't have to take this from someone like that! There are plenty of credit card companies I am sure that would want to have my business. That being said, I am making sure I post on every site I can find to show that GE's customer service is impossible and unreasonable to work with.
I made a purchase on eBay and only received half of what I paid for. When I filed a dispute with PayPal (whom I used to pay for the auction) they told me I shouldn't have used the "Item Not Received" dispute as I did get half of what I had ordered. I was told I should have used the "Not as Described" dispute. I, of course, went to file a new dispute under the category they told me. Turns out I had my one chance at filing a dispute for this item an they would not allow me to file another.
There was no way I was going to lie down and loose $500.99 so I sent my credit card company the information - including a Police report and a complaint filed with the US Postal Inspectors. My credit card company promptly sent me some paperwork to sign, I faxed it back, they reviewed the case and found that my claim was legitimate and issued a charge back for only half the money as I only received half the merchandise.
PayPal has now frozen my ENTIRE account, not just the $500.99 that is in dispute, but over $2000. The account has been placed in what they call Limited Status and all I can do is receive money, but I can withdraw nothing. This has been since Dec. 7, 2006. I sell quite a bit on eBay and all the money for the things I was selling before I knew they had limited my account went through PayPal and was frozen.
I have called them, but you can not speak to anyone in the dispute department via telephone. It must be through either fax or email. I have emailed them all the documents they have requested and faxed them to them on multiple occasions. I have heard nothing from them. When I call the main number a service rep. just gives me the email address. I'm really thinking it's time to get a lawyer involved. Anyone else have anything like this happen with PayPal? Let me know what you did to straighten it out!
COMPTON, CALIFORNIA -- After reading a couple of reviews, I realized that my experience is not alone and it also confirmed that eBay and PayPal are all CRAP!! There are a lot of conman around (eBay Power Seller) that are well verse of the eBay and PayPal processes. They have no intention to deliver the item to you in the first place. To my case, the guy invited me to deal outside of eBay: "it is still available, if you want it send $17 (includes item and USPS global priority mail as requested) via PayPal to ** and I will ship the item tomorrow."
While I am eagerly to get the item, I paid through PayPal on Oct 1. After a couple of emails asking for status, the conman replied: "the item is en route via USPS air mail" and "please calm down, the item has been shipped and is on the way" on Oct 5 and Oct 16. Without much progress, I have no choice but to escalate the dispute to a claim as "non-receipt" in PayPal on Oct 17. Guess what - it was working, the conman mailed the item with the USPS postage stamp indicated as Oct 18 using Letter Post!
On Oct 25 I requested for the refund of the shipping charges difference, but then the conman replied: "a few things - this was not an eBay transaction, so why are you assuming that you were charged the same amount that the item price what was listed for in an auction format? I gave you a price for the entire transaction.... you have received the item with my apologies for delayed shipment but nonetheless you have received the item. Our transaction is completed, you will not receive any refund from me. Thank you."
And he also sent an email to PayPal: "Attn PayPal: Please note that the individual has received the item in question, thereby removing the case for claim of non receipt. Thank you." On Nov 8, PayPal wrote to me: "We regret to inform you that we were unable to resolve this case in your favor because the claim was incomplete, filed incorrectly, or outside the bounds of coverage as defined in our User Agreement."
I believed this is so-called the "non-receipt" scenario. Case should be closed by then. But there are some interesting activities appeared in my case like "Refund initiated" and "Refund issued" by PayPal indicated in the history. I have not received a single cent from anyone, so what did those transactions mean? Obviously someone in PayPal wanted to make "Good" of the case. I have demanded for explanation for those transactions, but no answer as of now. So what is PayPal Buyer Protection you think?
I attempted to make a purchase via Yugster.com. They were having an issue with their servers, which caused my payment to be withdrawn, but not submit the order. I received an error the first time using Paypal, so I thought it was an issue with that payment method. I re-entered the order using my debit card as the payment method and received the same order.
Shortly after, I received an email from Yugster describing the problem and the steps they are taking to resolve the issue. They were very pro-active in acknowledging the error and issuing a refund. Well I can see the refunds were received by Paypal and my bank the very next day!
Here is the difference; The refund issued for the debit payment method was there the day after the occurrence. The refund issued to Paypal was there, but they placed a hold on it, so these funds are not available to me. I'm told this can be 3-5 days before it is available. So, if a speedy refund is part of your consideration in using Paypal vs a debit or credit card, you may want to skip Paypal.
NOVATO, CALIFORNIA -- Beware PayPal Buyer Credit! They have unscrupulous billing practices. In my case, I incurred 2 late fees within one month for a bill paid in full on its due date. All this for a service I was tricked into using. How was I tricked? After purchasing an item on eBay I made payment via PayPal. Although I did not have an account, the default funding source was set to PayPal Buyer Credit. I always chose "More Funding Sources..." picked my credit card and completed the transaction.
On my last purchase, I forgot to select "More Funding Sources ..." Payment went through, I received my item. I received a bill in the mail from an account that was closed. I paid the bill anyway. The due date was coming up fast, so my called to ask if we could pay by credit card online. She was told yes.
It wasn't true. The only way we could pay online was to provide checking account information. We didn't want to incur late fees, so we provided the info and made our payment. That's when we learned payment wouldn't be credited for 2 days, which enabled them to charge a $25 late fee. That's usury!
It gets worse. This evening, 3 weeks later, I get a call from a foreign PayPal representative informing that my they couldn't accept my payment because I didn't have an account. And by the way, you've incurred another late fee of $20. $45 dollars in late fees in less than one month's time for payment in full on the due date. All for a credit service I didn't need and didn't want because of their unscrupulous billing practices. The only way to avoid the thieves at PayPal Buyer Credit is to avoid using PayPal entirely.
SAN ANTONIO, TEXAS -- Credit limits are too limiting: I have been a Paypal "Buyer Credit" customer for over a year and haven't had any trouble until recently. During Christmas '08 I got a letter stating that my credit limit was reduced due to a recent pull of my credit report. I admit my credit score went down a little since buying a house and a vehicle but I've always paid my bills on time. I paid my Paypal account in full every month! Since opening the account I have over $1500 in transactions. All paid! So of course during Christmas I spent over my NEW credit limit of $100 (I received the credit limit letter after my purchases). I did not receive any penalty or fee that I am aware of.
I called Paypal GE MoneyBank, spoke with a CSR, supervisor, and manager. I asked if they would return my credit limit to the original amount ($300). The supervisor and manager kept telling me to read my credit agreement and letter that was sent stating why my limit was decreased. They might have well as being robots. I explained to them how great of a customer I had been and that in this troubled economy they needed steady paying customers. The robots still said no and would not restore my credit limit. A measly $300 bucks really?
I informed the supervisor and manager that I have no choice but to close the account. So I did. I checked my credit report and it took a small hit because my balance was over my limit and the credit limit was reduced. By the way Paypal BC GE Moneybank is very slow to update/report to the bureaus. My advice: when using Paypal DO NOT APPLY FOR PAYPAL BUYERS CREDIT. The End...
I frequently use PayPal for most of my online transactions. It's a much safer way to pay because your C.C. info is not exposed. This dramatically cuts down on fraud and ID theft. I recently ordered a $1200 camera online from a reputable business. The sale was approved through PayPal and they sent me a confirmation email. My C.C. was also billed. The very next day I get an automated phone call from PayPal with a fraud alert. Checking my online account with them I had to change my password and security questions which I promptly did. I'm informed that my account has been reinstated.
A week goes by and no camera or confirmation from the retailer. I call them and am informed that PayPal stopped payment. I then call PayPal (45 min on hold) and am told this transaction did not fit my normal purchases. Huh? PayPal is only a service that collects a fee for not exposing my C.C. info. I have a $20K credit limit with my C.C. company. They are the one to make the determination about suspected fraud.
While PayPal may have had good intentions they caused me aggravation. Had this been actual fraud I would applaud PayPal for catching it. I am not criticizing PayPal. Sadly this is the world we now live in and I have to accept some aggravation for the protection provided.
IRVING, TEXAS -- It's a shame PayPal has to resort to deceptive business practices to profit. It is virtually impossible, no matter how many boxes you check, to avoid an occasional purchase being charged to Bill Me Later, even when taking out a loan is not your intent. I have even tried calling them to have Bill Me Later completely removed as an option for payment on my PayPal account and I got the runaround and was unsuccessful.
I made a recent PayPal purchase via mobile device and was not even given options for payment and it defaulted to Bill Me Later, even though I have reset my default payment options to avoid that scenario many times. I can't even pay the balance until the next billing cycle, which they inconveniently space months apart, because I show no balance at this time.
This makes it, by design, much easier to forget to pay your balance before you begin paying ridiculous interest charges retroactive to the date of purchase. ** It's much simpler to form-fill your credit card numbers - mine are interest free - with each purchase, albeit perhaps less secure, than to be concerned with taking out a balloon loan unintentionally. You aren't responsible for charges on a stolen credit card number anyway, as long as you catch it in a timely manner, so the claim that PayPal is more secure is arguable.
Although a good service for money transfers, the push to charge payments to Bill Me Later is wrought with high interest rates, smoke-and-mirrors default options, deception and inconvenience. I'm checking out OF PayPal, not WITH PayPal (clever, I thought).