Anyone else have a problem with PayPal taking your money?

Adobe Community Professional ,
May 22, 2017 May 22, 2017

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Wife sells online, and has used PayPal for many years with no problems... until...

EDIT - wife did not like my summary... see HER words below

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LEGEND ,
May 22, 2017 May 22, 2017

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keeping the article and getting the money back is part of the PayPal account rules which your wife agreed to in order to sell things on PayPal so it is not theft in fact it is a common rule when returns would cost more than a product is worth.

p.s
yes I have been unable to get any (nevermind good) service from PayPal and as a result both my personal account and the one used for business has been discontinued but this has nothing to do with Adobe

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Adobe Community Professional ,
May 23, 2017 May 23, 2017

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This was a $600 custom item, with shipping less than $50, so any rule PayPal may have about returning the buyer's $$ because the item wasn't worth shipping really doesn't apply here... and PayPal never said that anyway, they simply want to take her money and give it to the buyer, without a return, because he isn't happy with what he ordered

Really irritating that PayPal pays no attention to her saying that the buyer refused to do a return, and still wants his money back

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Adobe Community Professional ,
May 23, 2017 May 23, 2017

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Not as a buyer. I've gotten my money back from a seller who was not delivering the product or answering my emails.

The problem is the Terms of Service that can work against you. Arbitration for one.

Closest I can come up for advice is Nolo Resolving eBay Disputes | Nolo.com

Gene

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Adobe Community Professional ,
May 23, 2017 May 23, 2017

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Here is the story of my one and only PayPal experience.

I have been with PayPal for over 17 years; I have sold many
items on eBay but mostly pond liner and supplies for the last several years
through ads I place in several states.

I sold a customer liner to a customer who had purchased from
me before. This liner was not the Firestone 45 mil but another kind of liner
which can be made custom and is sent out to the customer. I sent him a PayPal
invoice……..he paid.

About 6 days later I received a call (text) from my customer
telling me he THOUGHT the liner had a hole in it. Something either has a hole
or it does not! I asked him to send me a photo via text so I could at least see
what he was complaining about. He never sent any photos. I asked him to please
return the liner to my manufacturer so they could determine if a refund was
needed. I provide the very best customer service I can as I have been in
business for over 35 years.

I never heard from my customer but instead was notified by
PayPal that he had opened up a claim. OK, difference of opinion but this I can
deal with. I wrote out my story and the whole transaction as I am doing here.
In the meantime, prior to PayPal telling me there was a claim against me they
had already taken out $604.00. It wasn’t the end of the world but it is $604.00
and the customer was lying and scamming me and PayPal had thrown me to the
dogs.

I made several phone calls, asking for people who were
higher up than those who answer their phones. After several weeks the
determination of his claim was voted in my favor. PayPal put the money back
into my account. I immediately went in and took MY money out and left a very
small balance in my account.

A few weeks later I get another email from PayPal now
telling me that my customer had gone above and beyond PayPal and file a claim
with his credit card company. They alerted me that this would take up to 75
days to get a determination. Long story short, PayPal let me I was now on the
other wise of winning; I had been found guilty as charged.

I contacted PayPal both my phone calls and by several emails
and unfortunately they told me there was nothing they could do. I was stunned
to say the least. My record is perfect and this was the first time I ever
needed PayPal and they left me in the ditch without any help. I went to Consumer
Affairs and posted pretty much this story and also found out that PayPal is
going downhill and even though you are the perfect customer, watch out as they
will not help in anyway.

Yesterday I finally made the decision that I would change
credit card processing companies and went on line and found 2 that had great
ratings. When they returned my call they also asked me who I used previously. I
told them the full story as I am telling it here. You are NOT going to like
their response. I was told that PayPal would ruin my credit (which is
impossible to do) and that nobody would now allow me to open up an account. I
run a business; I need to take that illusive credit card once in a while.

PayPal did call and ask me if I would please deposit the $604.00 into my account to
pay the customer. I told the guy who called, “You gotta be kidding, right”. End
of conversation.

Here is what I want to do! If there are others out there who
have been wrong by PayPal I would like my story and yours to go as far on
social media as it can. I would like to gather as many people as I can and form
a class action lawsuit. We have a company which has a poor rating and yet we
are the victims of their inability to make things right and not buy into the
customer making false claims.

Join me and let’s stand up for what is right………… Terrie
Kaufman – Direct2usales.com – (360) 901-6383

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Adobe Community Professional ,
May 24, 2017 May 24, 2017

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Wife received a reply on Facebook from someone who sold a clearly stated AS IS product, and then had PayPal give the buyer their money back because it "was not as advertised" and this was after the buyer removed every part they could possibly use

This person told my wife that PayPal told him (paraphrased) that they are always going to side with the buyer, not the seller

So, PayPal and my wife have permanently parted ways

Oh... the link gener7 posted seems to only be for eBay, not PayPal

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Adobe Community Professional ,
May 24, 2017 May 24, 2017

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Right. I use both so often I forget others do not use Ebay as a storefront.

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LEGEND ,
May 24, 2017 May 24, 2017

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Ebay does whatever Paypal tells them too in any case so its the same result in the end.

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Adobe Community Professional ,
May 25, 2017 May 25, 2017

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Remember PayPal is just a middle man.  If the buyer charges back through their credit card, the transaction is halted under the terms set forth by the credit card company.  PayPal has nothing to say about it.

I wouldn't give up hope, though.  The buyer may have a history of frequent charge backs which will not bode favorably for the buyer.  The credit card may actually find in the seller's favor.  It does happen although not very often and almost never with American Express unless you can provide them with a written agreement signed by the buyer.

Chargebacks, however infrequent, are the cost of doing business.  Even if you don't use PayPal as your payment processor, you will encounter credit card chargebacks once in a while.  If this is the first CB in 35 years, you've been very lucky.  Most legit small businesses incur several chargebacks per year.

8 tips for merchants to avoid credit card chargebacks

Nancy

Nancy O'Shea, Adobe Product User & Community Professional
Alt-Web Design & Publishing ~ Web : Print : Graphics : Media

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