WARNING, Paypal just made me lose $20 THOUSAND dollars from a scamming buyer

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#616
I believe you are correct. But I see it this way: you must either have the proceeds from the sale or the bag. Assuming you purchased with a cc that covers the bag. Then you sell it, but the buyer "changed mind" or claimed "fake", etc... Fine, you accept the bag back - and conditional upon its return, you refund. But you never got your bag back yet PP refunded anyway, so technically, the bag should still belong to you since you don't have the proceeds from the sale. So if paypal claims bag is destroyed - if you can get a notarized affidavit from paypal that they damage the bag or had the bag damaged under their order - then you should still be covered since bag was "damaged"?
 
#617
kristie said:
Just to be a thorn in PP's side, MY bank just did a chargeback against PP for the amount out of my account.

I doubt it will work since in the PP contract it states they get to have access to the account and debit funds.

BUT you never know........till you try.........

Chase (my bank) already debited my bank account BACK the $11K. Clearly I am not touching it until the case with my bank is CLOSED.

My bank said it only take 5-7 business days for them to close the dispute since it is a direct bank/ACH debit. Can you imagine if the 5-7 days goes by and it gets closed??? OMG, the STRESS that would be gone!!!!

Wanna play PP? Let's rock and roll.
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YES! I got so happy when I read this OP! I hope you keep your $$$. Its rightfully yours and ONLY yours. I effin hate Paypal at this point. Theyre a buncha crooks. I truly wonder what they plan to do once they've discovered they lost 11k :laugh:
 
#620
kristie said:
I said the transaction was not authorized because the item was never returned to me. With banks/CC's, in order to process a return, the item that was purchased by the buyer must be RETURNED (with PROOF of return) for the buyer (in this case PP acting on behalf of the buyer). I never got the bag back; therefore, in my mind, that is like me going to Hermes, buying a bag, returning it, but then they choose to keep my money and the bag KWIM?

People can't just keep Sh%# for free...........
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Great thinking! Though we know PP will try to weasel their way out of it, way to fight! You never know, right?! After all, the law and common sense should be on your side on this one.
 
#621
kristie said:
Just to be a thorn in PP's side, MY bank just did a chargeback against PP for the amount out of my account.

I doubt it will work since in the PP contract it states they get to have access to the account and debit funds.

BUT you never know........till you try.........

Chase (my bank) already debited my bank account BACK the $11K. Clearly I am not touching it until the case with my bank is CLOSED.

My bank said it only take 5-7 business days for them to close the dispute since it is a direct bank/ACH debit. Can you imagine if the 5-7 days goes by and it gets closed??? OMG, the STRESS that would be gone!!!!

Wanna play PP? Let's rock and roll.
Click to expand...
Good luck! Keep us posted!
 
#622
kristie said:
Just to be a thorn in PP's side, MY bank just did a chargeback against PP for the amount out of my account.

I doubt it will work since in the PP contract it states they get to have access to the account and debit funds.

BUT you never know........till you try.........

Chase (my bank) already debited my bank account BACK the $11K. Clearly I am not touching it until the case with my bank is CLOSED.

My bank said it only take 5-7 business days for them to close the dispute since it is a direct bank/ACH debit. Can you imagine if the 5-7 days goes by and it gets closed??? OMG, the STRESS that would be gone!!!!

Wanna play PP? Let's rock and roll.
Click to expand...


GREAT news!!! Go Kristie Go! I have thought about this whole situation a lot and have been sending lots of good thoughts your way. This is a great update!
 
#628
kristie said:
Just to be a thorn in PP's side, MY bank just did a chargeback against PP for the amount out of my account.

I doubt it will work since in the PP contract it states they get to have access to the account and debit funds.

BUT you never know........till you try.........

Chase (my bank) already debited my bank account BACK the $11K. Clearly I am not touching it until the case with my bank is CLOSED.

My bank said it only take 5-7 business days for them to close the dispute since it is a direct bank/ACH debit. Can you imagine if the 5-7 days goes by and it gets closed??? OMG, the STRESS that would be gone!!!!

Wanna play PP? Let's rock and roll.
Click to expand...


This is indeed a piece of good news! I hope your bank will fight real and hard for you. Keeping my fingers crossed for you, kristie!
 
#629
shibumiflowers said:
FYI: if you purchased your bag using amex centurion card (or even the platinum card) it's covered under their insurance for theft, loss, and damage. Review your policy for specific details. I have the centurion card and just about everything I buy with the card is covered. As with most insurance policies, if your loss is covered and eligible, you will be reimbursed for its replacement. Be sure to provide the insurance company information with regards to the theft and damage so that they can pursue the other party, should they choose to, to recover their funds.
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Yes, fantastic peace of mind. Whenever I purchase something expensive, esp. on eBay, I will definitely use my amex centurion card. If I am "worried" my husband will freak out on a particular month, I don't buy. Before that, we'd the amex platinum card and bought the T150 Patek from Tiffany's (was to be shipped to us) on it. We did very thorough research on protections and from my recollection, it was great. Love the centurion/platinum card!
 
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