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Posted: Fri Apr 13, 2007 6:35 am Subject: Important information about paypal

For any of you who use paypal I would like to share this. I had an unauthorzed charge to my account from a legitimate business. I found this out when my debit ws declined while paying for groceries. I was left high and dry because I was relying on the money being there. I was billed for an item that was returned. Paypal WILL NOT REVERSE an unauthorized charge without the OK of the company that did it. So if a crook steals your money you need to get permission from the crook to reverse it, unless it is identity theft or you can prove fraud. Do not leave your money sitting in paypal. Take it out and deposit it in the bank. Do not transfer it or they will reverse the transfer if a charge comes before it is completed.

Posted: Fri Apr 13, 2007 6:38 am Subject:

I've had nothing but pleasant experiences with paypal!!!!! You can't automatically take money from a paypal account unless it is authorized. If it wasn't authorized, it would mean that your paypal account has been compromised...right?

Posted: Fri Apr 13, 2007 6:42 am Subject:

I would keep trying to fight it!!!

Posted: Fri Apr 13, 2007 6:45 am Subject:

YEah, as soon as money goes in, I have them cut a check. I don't trust anyone with my new checking account info.

Posted: Fri Apr 13, 2007 6:46 am Subject:

Yes goudah, she (i assume?) should fight it!

Posted: Fri Apr 13, 2007 6:51 am Subject:

If you have a paypal account for more than 45 days, you can get a paypal debit card...Thats what I did.

My paypal is my secret if I have to leave my husband in a jiffy account Wink

Posted: Fri Apr 13, 2007 6:56 am Subject:

I have a debit card for my paypal account too.

So the paypal website says:

Posted: Fri Apr 13, 2007 7:18 am Subject: paypal

You think I (he) am making this up. If someone has credited to your account once they can go back and charge your account. I had to got to the merchant to reverse it. Paypal is bound by the rules of Mastercard whose debit card I have. I have been with paypal for years and this was the first time this happened. I spoke with a supervisor who said, "unless you can prove fraud, they cannot and will not reverse a charge without the permission of the merchant." Do not leave a lot of money in there because if someone pirates your account, which happens more than you think, it is going to be a while before you can recover your losses. There fraud protection is a lot of Bull-oney.

Posted: Fri Apr 13, 2007 7:23 am Subject:

I don't think you're making it up! It sucks that they don't back up their promises . . . . I would keep at them, maybe you will get a nice person on the phone that is actually willing to help.

Have you contacted the merchant yet to see why he won't refund the payment? Is it an ebay transaction?

Posted: Fri Apr 13, 2007 7:27 am Subject:

On another note, it's good to see you can finally post as Frogpatch again!

Posted: Fri Apr 13, 2007 7:33 am Subject:

Frogpatch - I apologize, I couldn't tell if you were a he or a she...

I didn't think you were making it up either. I was just stating that to date, I've had pleasant experiences with paypal for various transactions. Sorry that your recent experience has been unpleasant.

Posted: Fri Apr 13, 2007 7:57 am Subject:

Definitely keep fighting it, frogpatch!! That is completely wrong and I would think that if they are not going to back up their 100% guarantee that their could be legal ramifications for them. That doesn't make up for the fact that they left you high and dry but keep fighting! I am sorry that happened to you. I would be completely livid.

Posted: Fri Apr 13, 2007 8:37 am Subject: paypal

The merchant reversed the charge but it take several days to post. The wonderful people at Super Target held our groceries until we came back the next day with the cash.

Posted: Fri Apr 13, 2007 8:43 am Subject: Paypal

When my wife called the number on the back of the card from the store she was routed to India. They sound just like the route 66 people. About as helpful too.

Posted: Fri Apr 13, 2007 8:47 am Subject:

I've noticed that too. They have their customer service outsourced to India . . . . They follow a script and can offer no real help.

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