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Yes thats right I caught PayPal in a direct lie. (Listen Live Here) First of all let me give a brief summery of my agony.
I have been selling laptops for quite some time now. I got my first PayPal account about 10 years ago under the name email@example.com . This account no longer exists. Back then they just started seller protection and there were no limitations in the user agreement. I agreed to that agreement. Since then this agreement has been reshaped to say that if you don’t meet within a vary narrow set of instructions you are not protected. I also have received e-mails from PayPal stating that I am 100% covered against any fraud through FDIC insurance. The new agreement says that this is pass through insurance. What is that? Doesn’t matter because when I called them on the phone and recorded it here they told me I am currently protected 100% against any fraud through FDIC insurance. Then they turned around and told me it would not cover me in my case. What is my case? Well I sold a laptop to a guy and he was in Indonesia. When I checked his address it said it was verified! What a screw up. I don’t have proof that I saw that but thats what came up. The money was deposited by PayPal into my checking account and I let it set there for over 3 days. I shipped the laptop and the very next day they told me that the guy stole someone’s account in the USA. They then asked me for my tracking number and all the usual information. Then they told me I owed them for the laptop. They are negligent in trying to get my laptop back at all. They made no effort at all. So getting back to the phone call, they told me that they never changed the user agreement for seller protection and then went on to say that they just started it 10 years ago. So they had to have changed it. They even admitted that they did. Can’t they get their facts straight? DON’T DO PAYPAL!
If you are still with me here we are not done. A buyer bought another laptop from me right after this took place because it was still listed on eBay. He lives in Auburn WA. I shipped the laptop to his confirmed address and according to eBay’s contract he signed (eBay owns PayPal) there is no return or refund unless it’s broken, DOA, or not as described. He didn’t even open the package. He returned it to sender and guess what? PayPal wants me to pay for all the parts I put in that thing and the laptop even though I can’t send them back and get a refund for them without a 15% restocking fee.
Now PayPal won’t answer the phone if I call from my phone number any more. Their automated system automatically hangs up on me. I e-mail them but all they say is you don’t qualify for seller protection. The BBB has given up on them all together and has collected 5200+ complaints in the last 3 years. I’m going to call the WA State Insurance commissioner and see if he can help me. The problem is that they are training at the moment so you can’t call them. Their number is 1-800-551-4636.
News Update: I just got threw to the WA State Insurance commissioner’s office and they redirected me to their website. I’m filing a complaint and directing them to this Blog Post to read the documentation. As stated in my phone recording podcast I requested that PayPal take my account balance to $0.00 and close the account but because they have failed to comply I now ask that they also refund me for the full amount of what they deducted from my account ($1,799.20) and pay me back the service charges that were imposed on my account ($55.87) that were suppose to insure my protection which I did not receive. These amounts total ($1,855.07) However, since I have not been able to sell goods with eBay and PayPal due to the fact that they would take all the money and I would not be able to pay my suppliers for my supplies to make computers I have lost a lot of business. I would like to be compensated for this business I have lost. The data here shows that eBay confirmed a lot of transactions that PayPal did not. My growth as a business is shown by this equation Money = -1221.981 + 32.729557*Days where Y is Money and X is the number of Days. This model is an estimate based on the equation above and the previous data. According to this data by the end of October 2007 PayPal will owe me $4,856.66 for compensation. I am not asking for this amount because I know that it would be expecting too much from PayPal. I plan to have another Merchant Account set up with US Bank by November. What I am asking for is a total of $4,000.00 of credit to my PayPal account to reverse the negative balance, pay me back for the fees they incurred, and lastly for business loss. This Christmas I would like to be able to get something for my friends and family like I do every Christmas, and I would also like to continue teaching my free computer lab, but if PayPal decides to take that away from me and WA state decides to then I will take any advice they have to try to defy debt.
eBay owns PayPal and eBay rejects Google’s Checkout program as listed here. Is this similar to the Micro$oft Monopoly? I think so. Is it unconstitutional? I think yes.
If you thought I was done guess again. PayPal is very unsecure. They claim to be so secure but how come I keep getting messages like this? paypalpicture.pdf
I’m not the only one.
PayPalUserAgreement in .pdf format here.
So who knows what is going on? This is PayPal RAW Live Uncut II. PayPal calls back to ask questions and answer mine. This time I get a completely different response. I don’t have time right now but if someone would like to reply to this post and write a review covering the things said by PayPal I would appreciate it. coming soon are pictures of PayPal’s system glitching on me saying I am protected exactly as I saw it when I went threw with the original transaction. http://www.podshow.com/shows/?mode=detail&episode_id=85723