50 customer reviews of paypal.com
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Based on 50 reviews from PayPal customers, company has accumulated an average rating of 1 stars, indicating that majority of customers are not satisfied with its service.
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Description: Payment and credit card processing for individuals and merchants.
Address: 2211 North First Street, 95131
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The ONLY reason people use this service, provided for by heartless greedy scumbags, is to ensure buyer protection.
I placed an order for a product over 3 weeks ago now. The seller $#*!ed around for several days, eventually telling us that he would not send the product overseas.
Instead of pressing the refund button like a normal person, he tried to get his sister to send us a refund, as if it was a new transaction. Not only was it for a lesser amount than we were paid, PayPal put a week delay on the funds being available, because it looked like a new transaction to paypal scumbags.
We decided to refund this transaction - it was incorrect amount back, less than what we had paid, it was subject to a week delay and a simple click on refund button was all that was required - no fees incurred.
The seller then became belligerent about this, claiming he would have given us extra money at later date, as if we should just trust him and wait a full week for paypal to release his sisters attempted refund, when we wanted the full amount instantly, as we are entitled to when a fraudulent seller will not complete the transaction on his end.
At this point, we felt the seller was a scam artist, so we decided to do everything above board, we put in a claim on the case and paypal put his account into negative equity (apparent; y he had already wthdrew the funds, so his account said it was minus, to top it up! Paypal put a hold on the money, then a few days later, they respond to us by closing the case.
They put a hold on the funds, giving this fraudulent seller an excuse to now tell us - paypal will deal with it now. Even though paypal claim they will NOT do anything about - because they put an initial hold on the money, his default answer was to deal with paypal, even after we told him paypal weren't going to do anything - apparently offended that we wanted things done above board - now he just ignores communication.
This is the thanks we have gotten from paypal for informing them about fraudulent activity - THEY FACILITATE IT! SCUMBAGS!
This organisation represents everything that is wrong with the modern world! They are literally knowingly facilitating theft, they could easily take the money from him, as they have already proved once, giving him the excuse to ignore my repeated attempts to request my money back and now are claiming that they will not help.
THIS IS UNACCEPTABLE, THE ONLY REASON PEOPLE USE YOUR SCUMBAG OPERATION IS FOR BUYER PROTECTION, WHICH I AM NOW BEING INFORMED DOESN'T EXIST!
I WILL NOT REST UNTIL THIS IS PUT RIGHT. DO YOU HEAR ME SCUMBAGS?
I checked after 3 weeks with the same tracking number I gave to PayPal and I saw that the parcel was still in transit.
Beginning of February 2015, a month after I shipped the parcel, I got an email from PayPal stating that the tracking number I gave them didn't work and because of that they closed the dispute for good. I tracked again the shipment the same day with the same tracking number I gave PayPal and it showed it still in transit.
I tried to contact PayPal via email, by phone, tam-tam, smoke signals. Nothing, they could not care less about my case.
To add a little bit of fun to this tragic story PayPal sent me, after few days a survey to, according to them, help them to improve the service. I firmly protested through that survey about their purchase protection service, but nothing happened. The funny thing is that as of today my shipment is still in transit to China...
A serious customer care center would normally follow up with the customer if some of the information is missing or if what they have is not correct or does not work.
The fact that they closed the case so quickly and with no chances to re-open it is very suspicious.
It is not a big deal for me. I will end up losing $300. What really hurts is the fact that we put faith in these pseudo serious companies and we don't really know what people is behind them.
I will close my account with PayPal.
Cheers,
Enrico Messana
PayPal put a limitation on my account saying PayPal had to take a closer look at my order even though they'd already taken the money out of my bank account. They came back a couple of days later asking for my photo ID (which they have had for years). I provided it. Then they wanted to know what I ordered. It was clear from the vendor's description that it was dog food, but I told them anyway. But since I needed the dog food I cancelled the order with the Vendor and placed another order through a different vendor and paid with my credit card. Therefore, the original vendor lost the sale.
I asked PayPal for an immediate refund since the order was cancelled. PayPal replied with an automated email saying they again wanted to know what I'd ordered. And a copy of my photo ID. Again I provided it all. They said they'd review it. Two days later, PayPal asked the same questions. Again I responded. The original Vendor has even asked PayPal for a refund but they are ignoring both of us.
When I started getting pissed off at PayPal because I'd already provided the information the bot came back and asked for proof of my address (they've had it for years), proof of my US tax status (I am not a US citizen and they know this and I don't have a US address), proof of my business status (I am an individual not a business. Again they know this). I cannot get a customer service person on the phone. I will not communicate with them again unless a human sends me an email.
I've filed a formal complaint with the BBB in the US, and am working directly with my bank to have my money refunded.
Covid19 or not, this is unacceptable business practices. I have had a PayPal account for two decades and this is the worst service I've received from any company I've ever dealt with.
Avoid them and use a company that actually wants your business.
And if you're a business owner, I suggest using a company other than PayPal. This experience has been enough to turn me off using companies that request this form of payment. The vendor I dealt with has tried to be helpful in getting my refund but it's still left a bitter taste in my mouth and I won't go back. And they lost the original sale which could happen to you too. Can you afford to do business with PayPal?
I ordered some software from a Company a coupla months ago, which was supposed to set up a website or 2 (10, actually, but I never got beyond #2). They insisted that I use their web hosting Company, probably because they were getting a commission off the deal! I used my PayPal account to pay for it. When the whole deal began to go sour, I promptly closed the websites and changed the nameservers (which are obtained thru a different Company, this time for FREE, which "aim" the prospective customer to the website on that particular web host). I notified the software Company and the web hosting Company that I had done this, that the software did not work as stated, that I could get almost NO technical support from them, and that I wanted a refund! Of course, they ignored my E-Mails! So, I filed a claim thru PayPal for a refund, stating that it was a FRAUD! That it had been misrepresented! That these people only wanted the $$$ and that I intended to pursue it as far as possible. Then I began a long agonizing process of calling and continuing to call PayPal, to follow up on my claim.
It is a REAL PAIN IN THE KAZOO to try to get thru PayPal's phone system, as they put a bunch of recorded messages on first, one has to prove who is calling by entering the correct phone number + the last 4 digits of the "primary account-holder's Soc. Security Number," and such. Then a syruppy-sounding lady keeps asking what I want. I try to tell her that I want to talk to a live human being, but of course, the dumb machine is not programmed to recognize this as a response. They continue to kill time by trying to send me an E-Mail about some of their policies, and such! I continue to press * and # and 0 and whatever other keys I think may disconnect the syruppy-sounding machine and get me thru to a live human being. Eventually, usually after 7-8 minutes (I've actually timed it, and that's no lie), it will connect me with some sweet gal in the Philippines, who knows absolutely nothing except how to speak English and halfway sound like she is in the U.S. I always ask if she is in the Philippines! Usually, they are startled by this question, as they think they are fooling someone! After killing some more time with these people, trying to explain what I want, they usually connect me with someone in the U.S., especially after they realize that they (a) don't know what I'm talking about (b) can't help me (c) all the above!
PayPal "dragged it's feet," taking the side of the seller, stating that it was not a physical product but instead that it was a "digital product," in other words, the "purchase was for a virtual, digital, or intangible item, which is not covered under PayPal Purchase Protection. We only cover claims involving physical items that can be shipped and tracked." There was no tracking number, nothing was shipped (as the software was a download), there was no item to be received, nada, zilch! So, I kept calling PayPal, and the web hosting Company kept trying to tap my PayPal account! One lady suggested I close the PayPal Debit Card, which I did, and apply for another one (which I haven't done yet until I get a final resolution on this claim). Another man said the web hosting Company had created a second invoice in order to tap my account. I kept getting all kinds of "run-around." PayPal kept trying to decide in favor of the seller, close the claim, and such. I filed a Fraud Complaint with the F. T. C. (Federal Trade Commission), even tho the total was only slightly over a hundred $$$. After talking to PayPal again this past Mon., I called the F. T. C. Again and added PayPal as a party to the Fraud Complaint, since they kept stalling, finding in favor of the seller, and such; I stated that PayPal was a part of the Fraud process, that they were making $$$ off these fraudulent transactions, and such. In talking to PayPal again this week, I (of course) got their Philippine people and Puerto Rica (I think) people first, as they feed callers there first, then transfer them to someone in the U.S., if needed. The "foreigners" could care less about the F. T. C. - in fact, some of them DON'T EVEN KNOW WHAT IT IS! But those in the U.S. look at it an entirely different way! At first, I began to tell the U.S. "Help" people that I planned to add PayPal to the Fraud Complaint with the F. T. C., and nothing changed. Then I began to tell them that I HAD ACTUALLY ADDED PAYPAL TO THE FRAUD COMPLAINT WITH THE F. T. C. - and then EVERYTHING BEGAN TO CHANGE! I also added that I plan to send an E-Mail to my Congressman, recommending that new laws be passed which would regulate PayPal as a bank, which it is not! It is a "financial institution that provides Internet services to expedite payments," but it is NOT A BANK! So, therefore it is NOT regulated by the F. D. I. C. (Federal Deposit Insurance Corporation) like the banks are! When I began talking along these lines, about involving the Feds, their attitude at PayPal changed completely! Suddenly, instead of giving me the old "run-around," that they would "take my case under advisement," and "send it to the right department" (kinda like a bank loan where they have to "send it to the committee" and the committee "doesn't meet until next Monday - I've heard this before!), I found that the person I was talking with, had the authority to make a decision RIGHT THEN, and it was IN MY FAVOR! He IMMEDIATELY credited my account for the amount claimed! And, of course, he took it out of the software Company's account! I was really surprised, in a way; yet in another way, I got to thinking about it, and I realized that they don't want any new Federal regulations or some Federal officials coming around asking questions! Remember this, as you may be able to use it to "expedite" a claim in the future!
The next time I tried to log in, two factor authentication failed multiple times. I was locked out of my account - due to a PayPal server problem with the two factor authentication setup.
So I tried to contact PayPal by telephone. Some months before, I had been able to reach a human. But in January 2021, I was told wait times were long due to COVID, but I persevered - and then PayPal hung up. I tried multiple times over a two week period, but always had the same result. PayPal did not want to talk to me... PayPal kept hanging up.
So I tried to contact them online. My emails to support went unanswered. My attempts to resolve the login problem failed - because PayPal had not allowed for the possibility of a two factor authentication login server failure. All I got were inane suggestions on password recovery etc. I even tried these, but of course changing the password, while possible, was not enough - it still failed the two factor authentication step.
So I cancelled the credit card linked to the PayPal account and told the credit card company not to accept further charges from my PayPal account. They messed up, a subscription charge from PayPal showed up a month later so I got a new card, one that PayPal could not access. The credit card company insisted on refusing payment on the subscription PayPal had payed - not clear why.
So PayPal sent me a communication about this. I was quite willing to pay this (minor) charge but - they told me to log into my account firse. Of course this was not possible... so I called them again - but their phone system hung up after a while. I tried to reply to their email, but saw a notice that they were not accepting replies, that I should log in... ha.
How can a large company like PayPal be so screwed up that there is no way to contact them when they have a server software failure? Didn't they bother to test the software properly? Since when is COVID an excuse to eliminate all telephone customer support?
If PayPal wants to pursue this, they know how to reach me, but they won't get anywhere unless they give me a way to contact them - without logging in. I'm not opening another PayPal account - period. I will just use virtual credit card numbers instead... who needs PayPal?
Hello Celeste Singh,
We reviewed the information regarding the case below and have decided in your favor.
We've issued a refund to your PayPal Credit account for the disputed amount as well as any interest and fees related to the transaction. Please allow up to 5 days for this refund to be reflected on your account.
This case is now closed. We are truly sorry you experienced a problem with this transaction, but hope you are happy with the outcome.
Transaction details:
Dispute Case ID: PP-D-12037574
Transaction Amount:$57.00 USD
Dispute Amount:$57.00 USD
Transaction ID: 49P06212VS940253N
Transaction Date: June 24,2018
Thanks,
PayPal
To break this down.
1) Scammer lists cheaper toy/figure, that will be released in stores for $12, charges $38.99 and uses collector photos of the official convention label. (Collectors photo of the figure with a label only found at this convention, that is being sold by those attending) Includes Exclusive SDCC (San Diego Comic Con) in her listing, no where including the photo of the red label box that she is actually selling. (Cheap retail figure)
2) Gets 5 watchers, knowing she is being dishonest and snags a buyer fooled by her listing.
3) Hopes that the buyer won't ask any questions, just expecting the official item and getting away with a scam. By that time the convention will be over, obtaining the official convention figure will be rare and the buyer will decide to keep it. (perfect plot)
4) Send threats when buyer finds out that it was a false listing, when attempting to protect themselves or request a cancellation.
5) Scammer taunts the buyer, after a Paypal rep suggests in opening a case that likely will fall on the scammer's side. (I've had to stop these reps from opening cases, because they don't ask and most times will just start doing so with a quick mention, as well placing you on hold.) Recently saying "No stop stop, don't open another case!" The recent rep paused and said "Why?" when I responded they closed the first one due to this happening and I do not have the item in hand. You will destroy what little protection I have. Rep: "Oh..." *Facepalm*
Here I am, waiting for this Scammer to send me a $10 toy in a box, where I will have to open it up, take a picture of it next to the listing and re-open the case. I will never again use Paypal for future purchase, neither run my business through them.
To add to this in 2017 someone used my address to create over 20 fraudulent PayPal accounts. Nothing was done even though I called PayPal and let them know this. I still get collection letters to this day regarding those accounts. I highly recommend that you go with a different e-commerce company like Shopify, Cashapp, Skrill, or Payoneer and stay the hell away from PayPal. After almost 22 years of loyalty I closed my account. I guess they won't care about losing me as a customer with the other millions they have but I vowed that I would let people know the truth about how they treat customers if you ever need anything more then the regular service. I was actually planning on becoming a merchant but too bad for them they won't be making another penny off of me.
NO even though the return you made shows it was delivered. All very clearly typed out twice even, it can't be possible but it is happening that you are YET being asked AGAIN to supply a tracking number you already supplied OR ELSE. Now you have to go find the receipt because the seller is dishonest and won't admit they already got the merchandise over a 10 days ago. So you hunt down the receipt. You have to set up the scanner to scan the receipt that gives the information you already provided. You scan the receipt and now it asks you to type in the tracking number and upload the receipt. So you type in AGAIN the tracking number. Then you add the receipt to an upload cue but it won't let you upload. So you try again and again. Now five times later you take a picture so you can prove when they deny your claim that not only had you returned the merchandise that you attempted to upload the receipt that is just a duplicate of the information they already have.
Here's a real tip speak to someone who has been at paypal for more than 5 years. Speak to a supervisor. They do have power. They can handle things right away. It all has to do with who you speak to. Seriously. If you hit the jack pot and MICHELLE answers the phone, she will handle everything immediately she will even give you money for return shipping. She can do that. What a difference that makes. Paypal needs to rethink there changes and REPEAL.
They make tons of money off of us but they don't provide helpful accounting for year end. For example if you have to pay for something in Euros they won't tell you how much the exchange rate was or how much they charged you. You have to go in and try to reverse engineer it to report your taxes honestly. They don't want you to know how much exactly they are taking and they are NOT making enough evidently to actually do the work to inform you. Shouldn't there be an accounting of my fees?
Worse is you open up a case with a clear scammer. AND they won't protect you. Better to do business with a credit card company.
My wife is a stay at home mom that started a home business that we created a retail website for. This website currently does 5-10 transactions a day and 1-2 phone transactions from people calling from the web or from tradeshows we attended.
Options:
We had to go with a merchant company to accept credit cards. While the business was growing we used paypal for payment and figured that we would sign up for a merchant account when sales called for it. When the sales level grew to more than 10 transactions a week we decided to sign up and looked into several merchant companies. We ended up signing up with Paypal Merchant services (Paypal Pro) It costs me $30 a month and 2.9% per transaction
The good:
-All of the money is deposited into our Paypal account along with Paypal user payments.
-PayPal have never had a service outage that costed us a sale.
-We have the debit card so we have immediate access to use the card for sales and it gives us 1% cash back.
-We get 1% cash back on all of the business costs since we use the Paypal card for everything business related.
-We can accept credit card payments in person using our smartphones
-Chargebacks or complaints are handled through the Paypal website and is really simple to resolve. (we have never had a chargeback just customers that didn't remember the charge so its been easy for us)
-The Paypal Pro payment gateway is already setup on most major softwares so you can get just about any shopping cart out there and it is ready to just plug in 3 easy numbers from your paypal account and it is up and running.
-Customer service for the Paypal Pro is here in the US and the people are VERY knowledgeable and got everything done for me every time I have called so easily and quickly with great attitudes. I don't know any major company with support like that.
The bad:
-Payments don't get deposited directly into our account. Normal merchant accounts deposit the charges 2 days after they settle. In Paypal we need to move the money over manually into our account and it takes several days to do.
-The monthly charge is $30 which includes gateway. Normal merchants are free monthly and normally $20 for the gateway (Anet or equivalent) so it is $10 more a month
-They take 2.9% per transaction, normal merchants are 1.9 - 2.9 so they are on the higher end
-You can't log in with Chrome Paypals sites have issues with Google Chrome not updating regularly so you have to use Internet Explorer (this does NOT mean that customers with chrome have issues just the people signing into paypal.com)
-The charges on customer cards says "PAYPAL: Company.com" where Company.com is your site. I would prefer they don't place their name there other merchants don't.
So far we have been using this service for a year and have grown and not had any problems or issues. In total they may be just a little more expensive but unless you are doing more than 300k a year in sales it is worth the extra money for all of the ease of use and 1% cash back on business expenses.
I hope this helps some people considering their merchant options out there.
The company as I tried to email 3 to4 times.
I lodged a claim with Pay Pal, and PayPal contacted me through Pay Pal resolution, Customer your goods have been sent dont worry!
I ask for the shipping company and tracking number through the Pay Pal resolution section
The company sent a tracking number, through Pay Pal resolution on the 28th May, after goods were purchased on the 25th April
The tracking number showed my suburb, but heres how smart they are, when item did not arrive.
I checked with Australia Post, it was supposed to be delivered on 16th June, and Australia Post said it was a different address and name on the tracking number the company supplied, so item was not my tracking number just the same Suburb it was delivered 16th June to another person.
I past this information on to Pay Pal. On the 7th July case was settled not in my favour, so i lost my money cold, I know why on the scammers web site, all their goods are recommended Pay Pal payments with Pay Pal logos pasted all over their site, so I think Pay Pal are making a fortune out of this company.
I wonder if this has any reason my claim was rejected, so i have no goods and my money is gone, when Pal pay are supposed to protect their customers payments using their payment services, just be very wary dealing with Pay Pal and scammer companies they a smart at ripping people off.
This document was supplied to Pal Pay to provei did not receive my goods but Pay Pal still favoured the company in the claim so no goods lost money
Help & Support
Australia Post
Reference 33263920
Update for Investigation - 33263920
Hi Ian,
Thanks so much for reaching out regarding item LX124110706CN you've been expecting to receive.
As discussed, I can see that the address provided for delivery on this parcel is not yours as provided by you and it's not addressed to Ian B or Makati Manila Rentals. The information we get for delivery comes directly from the customs declaration form that the sender completes at the time of sending so this is what is physically on the parcel.
We have delivered this item according to the listed address on 16/6/2020.
I hope this helps and that you have a great day.
Need help or have an enquiry?
Please visit Help & Support to:
Contact our support team directly
Find answers to many commonly asked questions
Regards,
Christine S
Australia Post
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This email was sent by Australia Post. Australia Post does not represent, warrant or guarantee that the integrity of this email communication has been maintained nor that the communication is free of errors, viruses or interference.
Help iconHelp & support | Terms & conditions | Privacy policy
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Do not believe Paypal is their to protect your interest it serves itself and it's own agenda at the expense of it's customers. The chances of them blacklisting fraudulent companies who PayPal have received numerous complaints about is 0 to none. Believe the advertising hype at your peril.
To: *******@paypal.com
In an effort to not assist you as quickly and efficiently as possible, please do not communicate direct to us. Once you log in to your account, you can click on "Contact" at the bottom of any PayPal web page. This will give you further information on how to Call Us if you would prefer to contact us by phone or to send us an email. You can also choose "Resolution Center" which will take you to PayPal's central hub for buyer and seller resolution and limitation information.
It is our intention to make communications as difficult as possible and to cause you as much inconvenience as possible in the hope you will go away.
Of course you should expect us to behave in the same manner as we expect you to behave to us. That of course would open the door to dealing with customers problems promptly and professionally. Woe begone cannot have that might cost us time and money.
To have given out an email address would have taken seconds and of course seen us promptly and efficiently deal with your problems and issues. Cannot have that can we. UNDERSTAND! We are not here to help you but to ensure our rules are followed without question.
*******@paypal.com should be renamed *******@paypal.com
Date: Mon, 28 Dec 2015 06:58:03 +0000
From: *******@paypal.com
Subject: AutoResponse - Email Returned SAXK (KMM185270637V85858L0KM): ppNA
Dear
Thank you for contacting PayPal Customer Service.
In an effort to assist you as quickly and efficiently as possible, please direct all customer service inquires through our website. Once you log in to your account, you can click on "Contact" at the bottom of any PayPal web page. This will give you further information on how to Call Us if you would prefer to contact us by phone or to send us an email. You can also choose "Resolution Center" which will take you to PayPal's central hub for buyer and seller resolution and limitation information.
We want to help you but we are not able to respond to emails sent directly to this address. We value your business and want to provide you with the best customer care.
Thanks,
PayPal
I was just going to let it all go, Then I tried to order something through ebay (which I have done several times over the past few years) and use my credit card. That's when I found out 2 things: 1) All ebay transactions are handled by PayPal, whether or not you have a PayPal account,. 2) The ebay screen asks you to confirm that you want to purchase and the next screen asks you to place your order. Once you have confirmed that you want to purchase, ebay acts as if you have placed the order. BUYER BEWARE: if you order through ebay you are dealing with PayPal.
Our Post requesting help: We paid more than 30k USD to one overseas development company (Weblink India Pvt Ltd, India) via Paypal.
The company who had failed to deliver our various projects which we settled with them in last six years. The company has breached every single contract (failed to deliver). This company is a complete fraud company in todays online world and must be black listed.
We ask Paypal. How the customers are protected who settled some projects and the delivery date is been stretched above six months and the customer doesnt get the product which they paid for. This means there is no payment protection to the customer whose payments went above 180 days. The fraud company just walks away with the hard earn money which the customer paid them. The company is based overseas and nothing can be done.
Why Paypal cant do anything? You guys are still helping the fraud company getting them money from the other customers who are not aware about this company. The payment we made to them is not a small payment. The various payments total goes above 30k USD. There are thousands of reviews about this company online. Every single customer has declared them fraud and cheater.
Last week we had conversation with Mr Philip. Paypal Senior UK dispute Department manager based in New Castle. We explained him the entire case and he mentioned the payments are above 180 days therefore Paypal cant do anything.
We request Paypal to please reopen our dispute cases. The money we paid to this fraud company is hard earned. I worked nearly 18 hours every day to earn this money and paid them to grow my business. We got thousand of emails which Mr Philip from Paypal asked me to forward@ *******@paypal.com. Received automatic email saying I wont receive any response to this email.
Response from Paypal: Hi Madhur, I understand your frustration in this matter. We can only offer protection on claims that are filed within the 180-day timeframe.
I am very sorry that we cannot accept claims that are opened outside the180 days. Every claim that is made will be noted as a case on the
Seller's account and if we receive multiple cases against a seller we will investigate this and take steps against the seller.
If needed we can block the account and do not let them use our service. However, we will not be able to refund any of the payments
If they are outside the 180 days timeframe.
I apologize for any inconvenience but there really is nothing else we can do. -Dian
When asked why it was so stressful he proceeded to explain to me that the sole purpose of his job there was to choose random accounts to freeze for long periods so PP could make money with those funds. He said it was up to him to give some kind of BS excuse why the account was frozen and the money was being held. He said they paid him a large salary to do that and that's what enticed him at first. But after a certain length of time his conscience was killing him. He couldn't look himself in the mirror anymore and it was very difficult to sleep at night. It got so bad he was unable to perform his job anyway so he just quit. At the time that this occurred I wasn't aware of all the hoopla that had been arising about PainPal freezing accounts. So what he told me didn't mean nearly as much to me until I began reading about that had been happening for quite some time. I had quit selling on EBay long before that and wasn't aware of what was taking place there in recent years. But after I've read about what they've done to people I felt compelled to give my story and enlighten some of the doubting Thomas's who are under the impression that PainPal only does what it needs to for the safety of it's users. I'm sure there will be some who are skeptical about my submission. I can only say that this is what I was told and I had no reason to doubt the guy and personally believed every word he said. I can't imagine why anyone would want to fabricate a situation like that to involve themselves in. In hindsight I wish I would have pressed him for more details, but I really didn't realize the impact of what he was telling me, and bcuz of his distraught appearance it didn't feel appropriate.
Dear Gemma McArdle,
Important information:
We regret to inform you that we're initiating the closure of your PayPal account. This measure is necessary to protect us from potential financial losses.
Your right to appeal:
We always perform a thorough investigation before deciding to initiate the closure of an account. We appreciate that from time to time misunderstandings can happen. To appeal our decision log in to your PayPal account at paypal. And click 'Contact' at the bottom of any PayPal page.
This decision means we need to oversee the appropriate movement of any money currently in your account. A gradual approach to account closure allows us to part ways, while considering any liabilities that may arise. Our aim is to review any valid buyer claims lodged against you. We need to allow enough time for claims to be filed as these can take several months to be reported and resolved.
How and when will my account balance be released?
1. We'll hold any money currently in your account in accordance with section 2 below. We do this because it provides sufficient time for most claims, such as chargebacks, to be filed by other parties. These claims can result in financial loss. If your account balance is below zero, you'll have to settle the amount owing on your account to avoid further action.
2. Our first review at 30 days from the date of this email will calculate our exposure and we'll release any excess funds to you at that time for withdrawal. We'll communicate this to you at the time. This review can result in 3 different outcomes as detailed in subsections 2(1)-(3) below.
2.1. We'll release your entire remaining balance to you for withdrawal. Note: If you choose not to withdraw the money at that point we reserve the right to recoup any money at the next review; or
2.2. We'll release a part of your remaining balance to you. If so we'll inform you about how much money can be withdrawn. We'll then conduct another review 30 days later that will repeat the process detailed under section 2; or
2.3. We won't release any funds to you if we deem our exposure to be greater than or equal to your available balance.
Your account may be reviewed up to 5 times; at 30 day intervals until day 180 from the date of this email. If any money remains in your account at day 180, it will be made available for withdrawal at that point.
When we part ways with merchants, where insolvency or administration is in place, or in some specific business models, we will usually hold funds up to 180 days.
Accounts with a balance owing to PayPal:
If your account shows an amount owing to us, you need to add funds to make sure that the balance returns to zero. Note: We reserve the right to recover the amount by legal means.
A copy of our User Agreement can be found by clicking 'Legal' at the bottom of any PayPal page and then click 'User Agreement for PayPal Service'. Our right to close your PayPal account, and the retention of funds, are covered in our User Agreement under sections 10.2 and 10.3.
Yours sincerely,
PayPal
It is also about how "democrats" screwed up regular people.
My company is a private accommodation provider in Bali. Rarely but we have to accept payments on PayPal as guests prefer to use their credit cards to pay for holidays.
Just this Friday I issued PayPal invoice to my customer from Crimea. She authorised her credit card follow PayPal rules and she paid by invoice about US$ 6,700.100% legal and authorised transactions from 100% authorised PayPal account using their bloody pin codes you need to find on your bank statement. It's not that easy to pay more than US$ 500 on PayPal and you need to spent hours of your time and still pay their ridiculous payment commission of 4,4% plus 3,9% exchange commission.
She had no other option to pay for accommodation because nowadays banks in Crimea can not send any payments to overseas that exceed US$ 1,000. Sanctions? Against whom, wealthy oligarchs? Western "democracies" $#*!ed nice regular people who want to go for holiday or do some purchases from overseas. I don't know if business can pay by their contracts. But my client's bank refused her payment to our 100% legal Indonesian company despite she provided invoice from us.
Finally. After client paid I received notification from PayPal about transaction is under review and it takes about 24 hours to review transaction and "make decision". Less than 24 hours later I received another email from PayPal saying that PayPal is "alerting you to potentially problematic transactions" and "We've completed our review of the transaction below and found the payment may not be authorized by the PayPal account holder or may be the result of suspicious activity. As a result, we've cancelled this transaction".
Without asking a question. Without asking for prove of payment (we managed to get Billing Authorisation Form, and client's copy of passport and credit card). Without taking care about what PayPal do.
Without asking us or client whether this payment is true or not.
PayPal just cancelled US$ 6,700 payment without giving a $#*! about it might be important or urgent payment. In fact, it is urgent as her holiday commence this Wednesday.
Guess what's next? It takes UP TO 30 DAYS to see refund on customer's credit card statement.
So, client accumulated money for holiday of 6 people in Bali. Spent hours of her time authorising her credit card. PAID full amount using authorised credit card. And now she has NO MONEY and she can not be provided with an accommodation.
Well, she booked 3 villas from us for 3 consecutive weeks. 1 villa belongs to our company and we happy to place her in our villa without payment while she is waiting until she can use her money again. But the others 2 villas are someone's villas and we can not place her and her family with kids into another 2 villas without payment.
It is absurd and ridiculous situation. And PayPal doesn't give a $#*! what they do. They answered to my concern with very standard email saying they "protect" while nobody asked their f. Ng protection.
Be careful!
P.S. Much more stories about terrible attitude of PayPal can be found everywhere in Internet and there is even "PayPal Sucks" community on Facebook. With a lot of confirm cases how PayPal $#*! their clientele.
Take care!
To make a simple request by phone for an email confirmation of payment made to PayPal, took 2 hours worth of phone calls that included being transferred to customer service representatives (rep) located around the globe before being connected to a homo sapien who spoke as if there was a brain located between their earlobes.
During another point today, Technical Difficulty (TD) messages appeared on PayPal's website that stated "We apologize our system is having technical difficulty retrieving your information. Please try again later" but WITHOUT AN OPTION TO. SIGN OUT.
RED FLAG SECURITY:
*As PayPal offered no option for a customer to log out of their TD page, the only option a PayPal customer had was to close that page,
*Exposure: during the time when the PayPal TD page was closed and another PayPal page was opened in a new browser, this customer was STILL. LOGGED IN to PayPal: this is exactly the point where a security risk exists.
*How?: Without an option to log out of that PayPal TD page, a customer's PayPal Account is still. Online, and potentially exposed.
In consideration of the concerns with PayPal outlined all the reviews on this website, along with the occasional RED FLAG experienced from PayPal, I invite you to feast on the following random examples of bizarre and inappropriate responses PayPal customer service reps gave this customer today:
"hmm, I'm not sure what we can do, how we can help with this or where to transfer you"
"are we (PayPal) experiencing a glitch?"
"we can't guarantee we can give you a confirmation number for your transaction, oh wait a minute I think I see something, nooh wait, maybenot that's not it"
"wow, maybe we're having a problem with our [PayPal] website"
This experience reveals some serious problems with IT and management at PayPal and should give every PayPal customer great pause for concern on the security of their data.
As for this customer, I'm going to the competition.
I am not an employee of any of the alternatives identified nor do I have any financial interests in any alternative identified. My objective is too high light some of the consortium activities and if legislative change cannot be obtained, sellers who cannot find other viable alternatives should recognize the financial impact.
As background in 2014, eBay announced the spinoff of PayPal as an independent company. In 2015 PayPal became an independent publically traded company. Notwithstanding the separation eBay still maintains a special priority for PayPal in the listing process as well as the payment cycle between buyer and seller.
EBay has an overly favorable standing for PayPal over viable alternative sources. EBays site for your review is http://pages.ebay.com/help/policies/accepted-payments-policy.html
Look at possible go arounds especially for local transaction. https://www.thebalance.com/alternatives-to-paypal-while-using-ebay-1140112
This behavior is no different from that preceding the spinoff of PayPal. You can find on the Internet discussion of using other options e.g., in auctions Google Wallet but beware of the wrath of eBay. If you are a home based merchant look at accepting independently credit cards through e.g., Square. Https :// squareup. Com/? Pcrid=%7Bcreative%7D&pdv=c&pkw=square&pmt=e&utm_campaign=Bing_Search_Brand_Alpha...⇄ />
I work with small non-profits and have successfully moved them from PayPal to the Square to avoid the pending of funds and the almost 1-month delay in obtaining moneys from selling activities.
EBay is without question the giant of world-wide Internet sales exclusive of Amazon but do not give up, evaluate possible options for your individual circumstances. http://growingyourbiz.co/alternatives-to-eBay
Another interesting alternative is Bonanza, http://www.bonanza.com/ebay_alternative
The issue of monopolizing payments to PayPal has been legally challenged over the years without any relief for buyers being obtained.
https://www.finextra.com/newsarticle/16863/ebay-faces-paypal-suit-over-monopolis...⇄ />
http://www.ecommercebytes.com/cab/abn/y11/m11/i11/s01
https://www.paypal-community.com/t5/eBay-and-PayPal-Archive/PayPal-pending-payme...⇄ />
EBay terms of agreement use ties your financial hands unless you can process credit cards independently or use other alternatives. What can you do as buyers with respect to PayPal holding and benefiting from your funds for up to 30 days? PayPal are using millions of sellers dollars to earning interest but pay you nothing for the loss of accessibility. It is interesting to note they immediately take out their collective fees. PayPal has successfully barred class action suits to obtain relief.
http://www.theverge.com/2012/10/17/3511792/paypal-class-action-suit-ban
PayPal has been successful in avoiding Federal regulation as a bank. They are a money transmitter and regulated at the State level. The states do not appear to have standard criteria for pending funds. For example: http://www.ecommercebytes.com/cab/abn/y11/m12/i16/s01
Many of those statutes cap the period of time that money transmitters can hold onto payments before releasing them to the recipient.
In California, for instance, where PayPal is headquartered and registered as a money transmitter, section 1841 of the state's Money Transmission Act reads:
"Every licensee or its agent shall forward all money received for transmission or give instructions committing equivalent money to the person designated by the customer within 10 days after receiving that money, unless otherwise ordered by his or her customer."
http://money.cnn.com/2008/02/26/smbusiness/paypal_float.fsb/index.htm?postversio...⇄ />
Look at your individual state and insure that PayPal is in compliance with the specific license requirements. If the state has no specific period for pending funds contact the Regulatory Bureau and highlight the PayPal abuse and their inconsistency with other states to have the licensing requirement changed. I accept that 10 days is more reasonable than 21 days and the incredible 3-4 business day to transfer the seller funds to their bank account is unacceptable. If you buy with a payment from your bank account the withdrawal is immediate.
http://moneytransmitterlaw.com/
PayPal state licenses can be found at: https://www.paypal.com/webapps/mpp/licenses
Remember many services conducted by PayPal exclusive of eBay can more easily be done by Walmart. Their money centers are stored based and provide a broader level of service and access to funds. https://www.walmart.com/cp/walmart-money-center/5433?povid=GlobalFooterMoneyCent...⇄ />
We will only curtail eBay and PayPal self- centered motives and adverse seller conduct by moving our business to other venues.
Good luck in your decision making.
1.\ I have been using Paypal for a very long time. Never have I ever violated their terms or done anything wrong. I have in fact promoted Paypal's use and have used it on over 100 websites.
2.\ My Account gets abruptly blocked without any logic or reasoning. Here is what happened:
3.\ As a webdesigner I build websites. I do not have any shops myself. I was building a website which wasnt even live yet... which contained over 1400 products!. Out of the 1400 products. 1 SINGLE PRODUCT. Which is COMPLETELY LEGAL in Switzerland (a small bottle of under 1% CBD Oil). WHICH clearly was a mistake and didnt belong on the website. This website was strictly supposed to have NO OIL products to begin with. And there are absolutely NO MENU items or way to find this product. A worker had BY MISTAKE through their backend Connector sent 1 single product to the wrong website. As we have websites for the oils WITHOUT PAYPAL. This 1 out of 1400+ products was a mistake and didnt belong and was also very clearly so that it had no menu or had nothing to do with thge website to begin with. If Paypal had a brain PayPal could clearly see this. ALSO. I had never setup PAYPAL on that website. It was done automatically as when I signed up for SHOPIFY. They configured my email address as default. So my Paypal account was also falsly linked through the website.
4.\ Anyways. As frustrating as that was. I spent many many hours calling and explaining to paypal the situation and the logic of it all. Apparently Paypal has the worst Resolution Center you could possobly imagine. Paypal does not care about its customers. They only care about promotions etc. That is the only reason I can explain why this never got solved. There simply is no logic or reasoning at Paypal. After such a long time and loyal promoter of Paypal. For 1 single mistake. Which was legal. Yet never intended. 1 product out of 1400+ which OBVIOUSLY never belonged their. And the website wasn't even live... or nor was that products they complained about ever sold with paypal. They simply decided to find 1 single product out of 1400+ and decided to without warning to close my account.
5.\ I have concluded that Paypal is destroying itself and only getting worse day by day. After being a 10 years+ loyal customer of Paypal. I am now removing Paypal from 100+ ecommerce websites and replacing them with Paysafe and others. Paypal has lost my respect and I will never use it again. I never expected such ridiculousness from Paypal. But I guess they have useless workers and no way resolve such simple issues. They simply do not care about their customers. TRUST ME. STAY AWAY FROM PAYPAL!
6.\ Now to conclude. Lets get things straight. I had 1 single product out of 1400+ which clearly didnt belong on the website. Was totally legal anyways. And was never sold using paypal. Without warnbing my account is closed. Which wasnt even setup by me to be using my email address. After many hours and hours trying to resolve with Paypal. Their decision stands, regardless of the logic. So after 10 years of use and loyal promoting Paypal as a webdesigner, Paypal has decided to keep my account closed as a result of a COMPLETE and CLEAR mistake. Thanks A Lot Paypal! Thats what we get for loyalty!
PAYPAL FOR ME IS DEAD... USE ANYTHING ELSE BUT PAYPAL!
1- It is not secure because you can change the password a million times a day and the PayPal system does not alert you that your account has unusual activity, which means that hackers can hack your account.
2- When your account is hacked, it is not possible to communicate with PayPal, because the only way to communicate in one case is to enter your account and then you can talk to them, how can you do that when the hacker changed the password and you do not own it
3- Each PayPal office in all countries is different from the other in the speed of solutions, as they are not a unified system
4- The first international language, which is English, is not included in non-English speaking countries. For example, you are in Belgium and you want to communicate with PayPal in Brussels. They will speak only two languages, which are French and Dutch.
5- They cannot recover your account when it is hacked and they delay you for very long periods without radical solutions
6- In the case of accessing their websites, each country differs from the other in the way of communication. For example, in some countries, when you cannot enter, there is the possibility of entering as a guest and communicating with them to exlain your problem. In Belgium, this item is not available. When you click on the Contact Us link, you will be directed to the error page. This means that the actions of their sites differ from one country to another, and this proves that No centralization or unified system for them
7- About communicating with them, it will take more than 10 days to respond to your e-mails and there are no immediate solutions. This means if your account has one million euros and you are the owner of a company and you have daily financial obligations, you will not be able to dispose of your money in your PayPal account because you cannot enter your account and theydo not have quick solutions for you, and their messages begin with the word apology only without immediate solutions, and you die every day a hundred times from the nervous pressure facing you and your money is seized and you do not have any information.
This is what happened to me until now. I advise you to stay away from PayPal for these reasons. You will feel and believe my story when your account is hacked and disasters begin.
Paypal has some major issues with its operation, at least in India, which, may or may not be due to regulatory framework put by the Central regulator. I won't criticise the regulator, because with the frauds taking place (and the gullible people here) it is working for the best interest (the mandatory two factor authentication).
Though I say mandatory - but often the international companies (e.g. Amazon, or those through googlepay, microsoft pay) have managed with single factor only. How, I don't know, and isn't important.
Paypal too works (worked) with single factor - but interestingly every six months - the transaction comes to halt. The banks (card issuing) do not honor its request and buyers like me get out of ebay and purchase the items from amazon or elsewhere. And this is going on for last 3 years or so, every September-October and Feb-march.
I had a discussion with the Bank - and they told that there had been some security compromises complaint from the users - for paypal (card details hacked) - which may or may not be true, but the complaint is thus.
That anyway, could happen to any business, and they are supposed to act, to save their business.
But does paypal do it?
No - I have passed on the complaint, and along with the information I recieved from bank, but the result? The "Cut and Paste" of FAQ, and afterwards - the last three of four communications don't even have "Received, thank you, we are working on the issue" - just the silence of the grave - their? Or Our?
I wonder how could a business work without any consideration of customer, and their trouble?
The same regulatory framework is being handled with other multinational gateways (mentioned above) - but paypal seems to be least concerned - even to try something.
To be frank, a year back they did try the two factor authentication - but their software developers were probably Up to their required level of expertise - and the system was in infinite loop - without existing (even Amazon.in has introduced the two factor, amazon.com is still on single factor).
Any one has weak points - but are they willing to learn and correct?
As far as paypal is concerned - no.
I just wish my suppliers go out of the paypal, or at least have another optional gateway. After all, they are losing their business - more than paypal.
Everybody in this 'Scam' gains, except me. This matter has been reported to the West Australian Major Virtual Fraud Squad. Additionally, I changed strategies. Rather than getting my Bank to retrieve my funds from the 'PayPal Registered Business', I have initiated a 'funds retrieval case' directly against PayPal instead. My Bank is 'awaiting' any transactions by either the PayPal registered business or PayPal & am contacting me as soon as any of their transactions show up, on my bank account, to get the funds back immediately.
"Hey PayPal? When I shop from Australia, Australian Laws are adhered to. If I want my money back, I don't need an elaborate reason, coupons or discounts."
My Bank 'will' just get my money back, simply because I do not want to make any purchase through you, or your shady registered business. I live in a democracy, & frankly?
"I wouldn't trust you with a child's piggybank."
You're as shady as your registered business.
I cannot believe ANY 5 Star Rating for the Reviews of PayPal. All negative Reviews are consistent with 'my' experience with PayPal & their Registered Business. PayPal must have a lot of 'happy Fraudsters' helping to deceive us.
PayPal is full of $#*!!
TS
BSS (IS), psych.
UPDATE13/2/2018:
My Bank retrieved ALL stolen transactions from PayPal literally OVERNIGHT!
A high & positive Review to the
"Commonwealth Banking Corporation of Australia!" You ROCK!,
So proud <3
"Perhaps they'll listen now..."
(Song - Starry, Starry Night)
Suggestion:
"Any rip offs by any business attached/registered with PayPal, are best resolved by doing a 'dispute' with YOUR bank against PayPal, DIRECT, to cease an unwanted transaction & retrieve any 'stolen' funds of yours. I experienced 'rip offs' by BOTH PayPal AND their registered business. $#*! them & their 'shady' businesses. Your bank works quicker than PayPal."
UPDATE 19/3/18:
The audacity! You are STILL trying to get money out of me?! Get over it already! You didn't care THAT much about MY money.
"Nice try, PayPal. But I, 'Never Received Items Purchased' & I don't want to, as I never purchased anything. Only about 2 months ago, I cancelled an order completely & closed my account with you. It is no longer of my concern & it is not my fault communications between you & your shady Registered Business, Queenfy, are poor. You simply had an 'internal communication break down'. I never ordered anything again. See my Queenfy Review. If you keep harassing me, I will seek an Australian Violence Restraining Order against you, for screwing with my psyche. Now fu
Strange that... I couldn't contact PayPal or Queenfy with 'success'...& now that they've fu
UPDATE 21/3/18:
I rang my Bank & they have records of the attempted thefts by you & Queenfy, that miraculously changed into MANY trade names, & my bank said that they have 'problems' with you all the time, with other customers of my bank. I have all the evidence that you tried to rob me & my bank reassured me that the 'problem' is not mine. This phantom order you are harassing me for, was cancelled the moment I disputed your thefts with my bank, TWO MONTHS AGO.
Keep wasting money. Shame on you... trying to steal OVER $400 AGAIN for NOTHING! Gee, my bank is good.
UPDATE & SUGGESTION 21/3/18:
PayPal? 'Arbitration'? Ok. 'Arbitrate' with all of these Australian Authorities who you & Queenfy have been reported to:
Australian Barristers & Solicitors (or others):
Legal Aid/Personal Lawyer/etc -
Court Officer - 'Commercial Crime'
Australian Competitive Consumer Commission
*******143
Local Protection Office
Dept of Mining & Industry Regulation
Dept of Commerce
*******054
Commercial Crime
92656680
Australian Securities & Investments Commission
*******630
The more people (in Australia) who take a little time to Report their negative experiences with online thefts, scams & rorts, etc, a 'trend' develops, & these Government Departments collate our 'statistics' (ie. Complaints), to literally 'BAN' these criminals from harming Australian Citizens.
I urge anyone harmed by these (& other online) criminals to do the same, & if in another country, please seek these services from YOUR government <3.
UPDATE 21/3/18:
* WARNING! THERE IS ANOTHER PAYPAL SCAM RUNNING SIMULTANEOUSLY AS THIS ONE, USING THE PAYPAL LOGO TOO! 'THEY' ARE FRAUDSTERS AS WELL! TO BE SAFE, DO NOT CLICK ON A PAYPAL ICON!
'ALL of the above Australian Authorities I reported this SCAM to, 'ALREADY KNEW' about 'PAYPAL'... what a cluster fu
UPDATE 24/3/18:
"YAYYYY! I logged into ReviewFeeder without being spammed by PayPay, for once!"
UPDATE 6/4/18:
I cannot log into ReviewFeeder via my usual device or stream.
UPDATE 7/4/18
I notified ReviewFeeder & told them that I cannot login to ReviewFeeder from any device, but my primary one. ReviewFeeder fixed my 'technical' login problems.
I don't know what went wrong with just my primary device login capacity. Perhaps vengeful fraudsters & hackers... at it again.
On average, merchandise is produced and shipped from our facility 2-3 business days after purchase. Standard shipping/transit times apply (5-10 days for domestic and 7-15 days for international)." Knowing this I thought I should have got the item by now so I used goggle maps and the address provided by this website and found something odd. Goggle maps showed a different company. This different company website had a phone number so I called and talked to a woman who ran the accounts there and told her the problem. To my surprise she had told me she had other phone calls about the same problem that they told this seller from the website I ordered from to change his address that it wasn't his bussness. Hearing this I knew this was a scam and was using this other company's address as a front, so filed with the FBI, FTC, and Paypal. After which I get a email from someone named differently than the seller I dealt with and with a different website saying my order was shipped out of CHINA. Looking at this new website I found that this address was a residential area on goggle maps. Telling Paypal this was a waste of time as I had to wait to get the item which came from CHINA. Oct 29 2019 I received the item and wasn't even close to what I ordered, so again I called Paypal and told them about it and even told them I recorded me opening it. They told me I had to wait another 10 days to have the seller respond. Oct 30th 2019 I get an email from Paypal saying I have to send the item back to the seller only this time it wasn't the China address they gave me, it was Vietnam. So after doing a little research with the Vietnam address I called Paypal back and told the rep "you do know this address points to a restaurant? Don't take my word for it, Google it." So she did and gets back on there saying "Your right, but that's the seller's email and address he gave us so ship it there." I then asked her about the shipping cost which she replied that Paypal will refund shipping cost up to $30.00.
Oct. 31st 2019: I took the package to the post office and not only did I have to sit there and fill out a customs form but it cost me $38.75 to ship it. Nov. 1st 2019, Just received a email from Paypal that they are paying me $30.00 of the shipping which means I'm out of $8.75 that I won't get to see. So now I have to wait til this seller gets the item and found out what my next hoop is that I have to jump through.
Nov. 6th 2019: I noticed that Paypal changed the Estimated case resolution from the 8th to the 11th.
Call Paypal and be extremely patient. You will be on hold for roughly an hour between each person. You will want to talk to a representative in the "Limitation Team" but that's not a direct option unfortunately so you will have to go through the Disputes department who can transfer you. So, you call in. They ask for all the phone verification (last four of card on file) you enter that. Then you hear a prompt that is purposefully vague followed by another that allows you to say what you are calling about. You will have to yell "DISPUTES" it will then tell you about your status blah blah blah and then ask you other options. You do not have to pick one of these and you do not have to wait. As soon as she asks you yell "REPRESENTATIVE" she will prompt you again, just keep yelling "REPRESENTATIVE" and it will transfer you into the queue for a representative where it will play some hold music and prompts before asking you if you want to be called back. THIS IS A TRAP! They do not call you back. The prompt will say press 1 to call you back or press 2 for more options. Press 2. It will then prompt you to press 1 to hear more about how the call back feature works (spoiler, it doesn't), or press 2 to continue to hold. Press 2. Hold time is usually double what the next recording says it is. They said 30 minutes on mine it was over an hour before I spoke to a person.
Once you've gotten on the line with them they will ask for your name. Even if you haven't called in before you can tell them that you are working with the Limitation Team and that you would like to be transferred. They will transfer you. This will be another hour or more of being on hold.
Once you get into contact with the limitation team, a rep will want to again know your name and they may ask to verify your email address on file. They will then ask you the reason for your call. You have 2 options as to how you want to handle this at this point. You can talk with them, but they are capped out on how much they can reduce or eliminate the charges on your account. They were willing to reduce my bill by 45% which I guess isn't bad but when I did my due diligence and I can prove I did nothing wrong and did not owe anything I'm still not comfortable even paying the other 55%. You can have them apply this discount and then ask politely to speak to a supervisor or after they verify you you can ask to speak to a supervisor straight away. Now here is the really crappy part. The team members disconnect calls all the time and no they don't call you back. It's not your reception, it's not your wifi, sometimes they just let you go even after 3 hours of being on hold and shrug it off. The reason why I say be very polite and specifically asked to be transferred without being disconnected is because your success in this battle depends on their mood. It sucks... it really really really sucks, I know but this is how it works.
I should note that when they put you on hold, sometimes you will hear music or prompts, and other times just straight dead silence where you think the call is bad. It's meant to make you feel like you should start over. I was on dead silence for an hour which was only interrupted by someone responding on the other end. Just because you don't hear typical hold music doesn't mean you aren't on hold. If you feel you have been disconnected double check to make sure your phone still shows that you are on a call and that the time for that call keeps going up. Now, this changes when you ask to speak to a supervisor. Transferring to a supervisor doesn't provide hold music or silence. Nope, it's going to sound like a phone ringing for the ENTIRE time. Which is honestly another thing they've done on purpose to annoy and discourage you. After an hour of hearing nonstop ringing you could definitely say that it could be used as a torture tactic and nothing will make you miss hold music or silence like hearing a phone ring for that entire time.
Okay, so you've been on hold, if you are lucky for about 3 hours at this point to get to the person who can actually help you with this charge, the supervisor. Don't blow this opportunity or you go straight back to the end of the line because they too can "accidentally" disconnect you with no craps to give.
So here we go, bases loaded, you need to swallow your pride and try to be as civil as you can be even if you are fuming, especially when you've had the WORST customer service experience of your life. Try to remember that these people, when you finally do talk to them are people. Grit and bear it before starting with the blow response when they finally do pick up:
Look, I know you have a very stressful job and I don't envy you. I know you get a lot of very unpleasant calls and I can't even imagine how that can weigh on you. My goal is to work with you today to resolve my issue in a way that keeps this from being one of those calls you hate.
This will likely throw them off. They NEVER hear this. You acknowledged them as a human and were able to commiserate in their experience before discussing your own issues. Continue that calm and controlled tone as you explain your issue and what kind of resolution you are seeking. If you get a decent supervisor they might be able to reset your balance to $0.00. If not, I've learned that I get different answers and different options from everyone I've called, so if you feel they are not being reasonable you can try to call and reach another supervisor. This will take another 3 hours, but depending on how much they say you owe it might be worth it.
Here is some more advice that I hope helps. I've seen mixed messages on if/when Paypal will sell their debts to collections companies. I've read where they have never done it and just banned that person from using their account with Paypal, and I've read where Paypal has indeed taken it to collections. I think a lot of this has to do with the amount you owe. You see, and this is important, collections companies will typically only pay about 4-5 Cents for every dollar of debt that you owe with Paypal. Whatever the collections company makes over that they get to keep. If you owe less than a $100 it's just not worth selling it to collections, but if you owe significant money then it absolutely is. Keep in mind that collections companies only pay larger amounts for debts that are secured. They pay the most to collect on mortgage and vehicle debts. Newer debts are also worth more than older debts because older debts are unlikely to be collected on. This is another reason why even if you don't plan to pay something because you feel you don't owe it that you should at least work to get the amount you owe down as much as you can because you might just get it below that collections threshold. If it does go to collections don't panic. You can negotiate with them. They want to make a profit, yeah sure they'd like the whole debt, but if they can get even a little they are happy with that. It would not be unheard of to settle a $100 debt for $20-$25 with them, if you feel like you want to just get it over with. If you do this make sure you tell them you are only going to pay if the collection is COMPLETELY REMOVED from your credit reports and have them provide a letter (which is common) that says this account will be removed. If you don't do this they can still keep it on your file, but just show a $0.00 balance which because it's a collection account will still hurt you.
Now if it has gone to collections and you see it on your credit report and you are still not keen on paying it because again, you have a mountain of proof that you don't owe it, this is where you will go and file a dispute about that collection with all 3 bureaus. You can provide them with all that evidence, and if you aren't known for having collections they will most likely drop the collection from your file. If you do have a history of collections of course they will take your proof and investigate it but a part of the collections company's case will probably be based on history/character which isn't much but yeah, sometimes it works. The older your debt is, the more negotiable it becomes. If you don't mind it dinging your credit for a while you can use this to your advantage.
So, to recap. Work with Paypal by CALLING them because the chat feature is a joke. Be patient while you are on hold for hours. If you ignore Paypal, and then collections, and then your credit it will only get worse. Once you get whatever resolution you are seeking try to close your Paypal account and find another payment service. There are tons of them with much better customer service. They might have the household name, but that's actually what makes them better. They aren't so large that they can get away with treating people like this.
Well, sorry for the novel. I have never written anything this long and involved since college but I wish someone had told me some of this so I'm doing it so that I hope it helps someone else.
You can find more information above this seller using the following link which is their's storefront page.
https://mobileworldcompany.en.ec21.com/
He used a imposter fake courier company- stating that he has my item, but its delayed by customs, that I need to pay into a bank account- declaration fees, delivery charges and all sort of fake charges on the non existent item. This seller insists that he uses a particular shipping company to provide a phony email address to pose as DHL to send me a email using a free e-mail address. His sloppy content on his email tipped off me that he didn't even bother to proofread his own writing which left spelling and grammatical errors.
Courier Website: www.expdirectlogs.com
Courier Email:*******@expdirectlogs.com
Scammer created courier gmail:*******@gmail.com
Paypal ID:*******@yahoo.com
Email:*******@mail.com
Skype ID: mobileworldcompany
From my findings I could able to spot something was amiss about the shipping companys website, even if I couldnt quite put my finger on whats wrong but I have found that it has plagiarized content from legitimate shipping company's websites.And that might not be considered fair use because depending on the circumstances, the original website content is not allowed to be freely copied for commercial purposes.
I also found a legitimate carrier company with almost the same name and domain, www.exp-logistics.com.
You can see that this is a legitimate company with visible contact information that also is well optimized. I noticed that the fake carrier site has no search engine optimization and is poorly done. PayPal only have an info email, no phone number, or customer service information.
Although, I have to applaud him/them for putting so much effort into this scam. I wonder how many stressed out buyers they have scammed so far.
I am very disappointed in PayPal, I have been using this service for 8 years without a hitch. Even if I am clearly correct and am entitled to my money back, paypal will find a way to deny me. Paypal knows this is impossible and will make me feel like I am at fault for not following your impossible demands. There are so many impossible mandates to comply with, to honest people like us, it would be the looser of the process every time.