Paypal, Wells Fargo Bank Apr 2007 Judge suggested we sue = fraud, unfair credit collections, more Escondido For The Bank Ripoff California

It's hard to put this in a nutshell, but I will try. We are a business, billed a customer via paypal, customer paid via paypal, both of us were/are verified, this is a first time customer (we have an automotive shop) 3 months later customer got pissed off at us and reversed the charges when we tried to collect on a bad check for other repair work.

Sued customer for bad check and won, then sued for credit card charge backs and won that last week. Check judgement $1421.69 plus court costs, of course customer appealed and lost the appeal, now customer says he has no money to pay us, even though he previously paid us the credit card payments and was without that for months?

Credit card judgement $6100.00 (not a typo it is six thousand +) for the charges, $200 in additional fees, court costs and 10% simple interest on $6300.00.

Court case numbers are : SEA025736 for the $1421.68 check, and SE025736 for the $6100.00 credit card transactions (2=2700+3400) seen on April 11, 2007, San Diego County Superior Court East County Division, 250 E. Main Street, El Cajon Ca 92020 for any Attorney that wants to verify the validity.

The Judge did not award additional fees we encountered to be paid by the defendant, as he stated we need to pursue Paypal and/or Wells Fargo bank (Paypal's processor AND our customer's card company AND the employer of the defendant/customer) as they should never have given our customer his money back in the first place.

I would also like to inform you that when we went to court we filed in small claims due to the cost of going civil, however, we refused a pro-tem and were sent to a civil Judge anyway, so any statements made were made by a civil Judge, not a small claims Judge.

Paypal sent us to collections, sent us several letters/emails requesting us to reimburse them for the money they refunded even after I told them to go after our customer for the money they ripped us off of, and the collection company continued to call after I verbally demanded they stop. The collection company DID stop calling after receiving my brief letter with a copy of the first judgement against the defendant for the check and threatening to sue for unfair credit collections and fraud. Paypal however did not stop, up to 2/24/2007. I since have received several emails,not sure if they are phishing or real, threatening to suspend my Paypal account, and etc...

In every email to Paypal I requested much needed information in order to contact the credit card company,and was denied. I simply asked for a phone number and contact person handling the chargeback on my customers card issuing side, and was told that is confidential information that I have no rights to. I read the user agreement after all this crap happened, and actually per Payapls user agreement I DO have the right to that information, per several paragraphs.

I have been harassed financially and emotionally, Wells Fargo Employee maliciously caused harm to my business and myself, he was deceitful with his chargeback actions, and in my opinion committed fraud in the manner he processed the chargebacks and the cause, Wells Fargo assisted the fraud, and committed negligence by not following up with investigating the chargeback, by refusing documentation, and refusing to be neutral due to the initiator being a Wells Fargo Employee, Wells Fargo allowed unfair credit collections and credit practices by reporting and/or allowing an Employee to report an untrue fraud, causing me to be sent to collections and admitted into the checksystem for being overdrawn with the merchant, and this issue being reported to other agencies, Wells Fargo breached an implied contract with the proper processing of chargeback requests by allowing the Employee to "open and shut" the "case" without my due process.

To date, I am still out a minimum of $9000 because of this, plus many other fees, that are a direct result of actions, lack of actions, or assistance/lack of assistance of Paypal and Wells Fargo Bank and/or it's Employees.

One more time:

I am pursuing compensatory damages, liquidated damages AND punitive damages for all infractions mentioned, and more I am sure the Attorney's will find, plus all other miscellaneous fees that have not been reimbursed, loss of income due to court appearances, and whatever else there is. If there is an Attorney anywhere that would like to pursue this case, Pro Bono, we are a real company, with all paperwork to back up all statements, the court appearances are public record, and the transcripts can be easily ordered. I am serious about this, and fed up with Paypal and Wells Fargo.

Paypal screwed us, now we want to sue!

Tammy
Lakeside, California
U.S.A.

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