I sold I believe 3 auctions of books to a guy about 200 miles from me. Probably 30 books in total, about $100 worth of auctions. He requested me to send them as cheaply as possible and I did. 2 weeks and I get this hateful email he never got his books. I said well what can I do - I sent them, you know ? He didn't want insurance or delivery confirmation - cheap as possible. He filed with Paypal.
Immediately Paypal tapped my bank account for the money. No notice, nothing, they just took it. Then they launched an "investigation" and I kept sending them hateful email after email that this guy had sent me. Because I didn't use delivery confirmation, I was found at fault.
I queried others that had done business with him, and compiled a list of like 10 people he'd done similar stunts to. Paypal ignored all of that.
Now comes the good part. He emailed me right after he got the money and said the books had arrived, but a bit damaged and that he'd refund me part of the total cost. I said fock you, I want ALL of it back, after all he chose no insurance, not me. I reopened the claim based on that email and information. After all , I was obligated to send the books, not insure them.
Paypal acknowledged that the guy had actually also contacted them and said he'd gotten the books, however I didn't use delviery confirmation, and emails cannot be submitted as proof of anything, and they gave the money to him and the SOB got my books too.
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On to more recent Paypal horror ?
http://www.paypalwarning.com/
http://www.paypalwarning.com/paypal_wall_of_shame
I bought a $500 gift card from a solid EBAY seller and days later after geting emails from her EBAY notified me she was a fradulent seller. All her EBAY contact ionfo was blitzed, the account, her username, the auctions ........ no trace left of her existance or of her auctions but the emails I had saved on my computer. Even MyEbay didn't show anything.
I filed with Paypal as a buyer. The rule is 10 days that the Seller has to submit proof they sent items. On the 9th day the gal emails me and explains she's in a bitter fight with Paypal. Some transaction had went wrong, and now EBAY owns Paypal and they completed locked and blitzed her accounts and removed all funds from her personal bank account.
Paypal refunded all but $25 of the money to me - but I fully believe what she told me.
Watch Paypal, NEVER give them access to your bank account.
If you want anything free, ask the EBAY seller to send merchandise cheap as possible. Casually tell them no delivery confirmation need etc. After 5-6 days, file a Paypal complaint of no merchandise recieved. They will side with you EVERY time if seller didn't put delivery confirmation on the package.