PayPal
2211 N First St
Internet Internet
United States of America
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PayPal PayPal charges $370 to my debit card; unauthorized. Internet, Internet
*Consumer Comment: Oh yeah, Robert works for Paypal!
2Author
3Consumer
0Employee/Owner
PayPal provided a refund to a buyer, in which I sold software to, after almost 90 days after the transaction. PayPal says that their is nothing they could do about the refund since it was reversed by the buyers credit card company. I cannot possibly issue refunds on software after nearly 90 days, this is impossible for software or any type of electronics and is against my refund/return policy as a seller. This refund caused a negative balance on my paypal account of $370. After being hounded by paypals collection department, calling my cell phone 3-4 times daily for a month, I finally told them that there was nothing I could do about the negative balance at that time, I was not in a financial position to do so. I also told the collection department specifically "not to touch my bank account", and the paypal collection rep replied "we will not do that without your authorization".
However, PayPal has now charged my debit card $379.99, saying that another "automatic debit" for $9.99 came through my account, and therefore caused the account to "automatically bring the account positive", charging the $370 plus the $9.99. In other words, paypal is using the excuse that another automatically set up debit came thru to take the $370 from my bank account, which they said they would not do. This is less than a month before Christmas time and caused my bank account to go negative and charge more fee's. PayPal did not have my authorization to take the $370 and lied when they said they would not touch my bank account.
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REBUTTALS & REPLIES:
2Author
3Consumer
0Employee/Owner
Updates & Rebuttals
#1 Consumer Comment
AUTHOR: Robert - Irvine (U.S.A.)
SUBMITTED: Wednesday, December 21, 2011
POSTED: Wednesday, December 21, 2011
So from this I get that you are $370 in the negative because someone did a successful charge back on you. Now, you tell PayPal you can't pay the $370 right now to bring your account back into positive and asked them to not touch your bank account. They agreed and said that they won't touch it unless you give them permission.
Now we skip ahead...you use PayPal to purchase something for $9.99. So I guess you figured if you were $370 Negative what is another $10 and you didn't think they should access your account at all. Or did you think that there was no problem with you still using their service but not paying your existing debt.
Do you see where your logic in thinking they ripped you off fails?
#2 Update By Author
AUTHOR: Eric - Huntsville (USA)
SUBMITTED: Thursday, December 22, 2011
POSTED: Thursday, December 22, 2011
I did not "figure I was already negative so I'd just charge another $10". Read again. It was an "auto debit" that was supposedly authorized a year earlier from 1&1 internet, for renewal of a domain name that I purchased a year earlier that was apparently expriring. And aparently, 1&1 internet has it burried within their pages of terms and conditions that when you purchase a domain name (or anything else I guess) from them that you are authorizing them to "automatically renew" it using your payment information...in this case, my paypal account.
My assumption, and I would think the common sense assumption, was that since my paypal account was $370 negative that they would NOT ALLOW transactions on the account. That the account would be frozen and/or closed like any other account would be after being negative for over a month.
So no, I did not actively use my account. They left it open so that when any transaction, even an "auto debit" hits the account, they can use that as an excuse to charge the negative balance...even though they stated they would not do that.
And by the way, you sound like an employee of PayPal to me. Perhaps you should reveal yourself. Your not fooling anyone.
#3 Consumer Comment
AUTHOR: Ashley - springfield (U.S.A.)
SUBMITTED: Thursday, December 22, 2011
POSTED: Thursday, December 22, 2011
if this had been your regular bank that charge would have cleared too, even on a closed account. 1and1 has an authorization for $9.99 that you agreed to a year ago. Paypal doesn't have the ability to decline it from what I understand since it was pre-authorized from ages ago. I know it sucks, but you did owe that money to paypal. Why didn't you contest the chargeback to your customer's credit card company? or did you even bother to contact them about the chargeback? You may have a different return policy, but the government does give consumers the ability to dispute charges on their credit card for 90 days. It sounds like this person disputed your charge, the credit card company never heard anything from you so the chargeback was approved.
and as for your last comment, no one here works for paypal XD thats ridiculous.
#4 Consumer Comment
AUTHOR: Inspector - Tobyhanna (USA)
SUBMITTED: Thursday, December 22, 2011
POSTED: Thursday, December 22, 2011
Don't you ever take responsibility for screwing up? It seems like this and everything else that happens to you is their fault and you invent some convoluted reasoning as to how it happened.
Pay up! I guess I work for them too.
