Nan Hall - Nan Freeland - Nan Kegel - Moxiemay - Moxiemarket Ripoff, iOffer Buyer Scam, PayPal Credit Card Fraud Scheme, Buys Merchandise and then has PayPal Reverse the Transaction for supposed Unauthorized / Fraudulent Credit Card use Atlanta Georgia *EDitor's Suggestions on how to get your money back into your bank account!

Summary: This buyer "moxiemay" is iOffer ID, negotiated to buy 2 ladies wristwatches from my iOffer store. She paid with credit card through PayPal. I shipped immediately this merchandise to her and included a bonus item worth over $5.99. Less than one week later, PayPal pulls the money from my account because they are investigating the transaction. 2-1/2 weeks later, PayPal concludes their investigation and rules that Nan Hall aka Nan Freeland aka Nan Kegel should have the money back. So now this buyer has scammed me out of FREE MERCHANDISE and did nothing to pay me for these items.

Warning to others about this new scam through PayPal. If you are dealing with a buyer that uses MANY different names and email addresses, verify that this person is VERIFIED and is using a CONFIRMED SHIPPING ADDRESS. Otherwise, you will not be protected in your transaction. PayPal can easily TAKE the money out of your account even though you have SHIPMENT CONFIRMED! and POSITIVE FEEDBACK.

TRANSACTION:
iOffer Store Transaction #12445510
Buyer: moxiemay (14)
Price: $35.00
Shipping: Seller Pays Shipping
Total: $35.00
Date: Jun 11 21:38PDT
Seller --Accepted-- Jun 12 09:41PDT
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Post Transaction

Seller --Invoice Sent-- Jun 12 09:41PDT

Seller --PayPal Received--
Thank you for your super speedy payment! I've received it via PayPal. Items will be prepared for shipping and will go out USPS tomorrow morning. I will advise tracking info when I generate the shipping label. Jun 12 10:29PDT

Seller: --Item Shipped-- USPS First Class Mail
Estimated Delivery: 6/19/2006
Tracking Number: 9101150134711491029799
Your package is shipping Tuesday morning via USPS first class mail. I've provided the tracking number from the shipping label. Thanks for your purchase. I hope you enjoye this FASHIONABLE watches--I personally love the style of these. I've included a bonus item for you. Kindest regards Jun 12 11:14PDT

Buyer: THanks so much for the prompt shipping! Jun 12 18:09PDT

Seller: ;-) Jun 13 04:55PDT

Buyer: ++ love my watches, thanks! Jun 17 02:03PDT

Seller: Super buyer! Smooth and pleasant transaction. Glad to hear you love your watches! I love the "pucci"-style print too. Thanks for your purchases and come back anytime. Kindest regards Jun 17 04:16PDT

Seller: Rating Response: Why am I receiving this PayPal eMail: It has come to our attention that you may be the recipient of potentially unauthorized funds. We have initiated an investigation into this event. In the meantime, we have placed a temporary hold on the funds in question until the investigation is complete. This temporary hold will show as a deduction in your available balance. In the meantime, you are free to continue transacting using your PayPal account. Jun 18 11:51PDT

Seller: I am more than a little concerned that PayPal has sent me this email. You confirmed your shipping address in a separate email and left me positive feedback. It's more than frustrating that now I'm getting such a PayPal email about unauthorized funds!!! For shame. Jun 18 11:53PDT

Buyer: I have no idea what they are talking about, my card was charged, I apologize. If the funds come back to me I will send the money to you. Jun 18 12:17PDT

Seller: According to PayPal, they have withdrawn the $35.00 for this transaction telling me it is subject to an investigation for possible "unauthorized funds." They have initiated an investigation and asked me to provide them with all the information I had regarding this store purchase. Jun 18 12:20PDT

Seller: May I suggest that you log in to your PayPal account, the one that was used to pay for this. And, you can contact PayPal directly then to advise them this money shouldn't have been withhel from me--that it is an authorized transaction...please! Thank you. Jun 18 12:23PDT

Buyer: On my Paypal account it just says that the transaction was completed. I will call them because the money is not in my account it is in yours according to my statement. Jun. 12, 2006 Payment Completed Details -$35.00 USD Jun 18 12:35PDT

Seller: Nan, PayPal has WITHDRAWN the money from my account, sent me the email that it is in reference to this transaction for $35.00, and would NOT CREDIT it to your account until the investigation is complete. BUT, PayPal doesn't pull money unless someone advises them it was an "unauthorized" transaction with the credit card "owner." Jun 18 12:43PDT

Seller: By the way, I've got 2 names for you; i.e., two different last names and 2 different email addresses. Are you looking at the PayPal account that was used to pay this? Jun 18 12:45PDT

Seller: Nan, I've just gotten off the phone with PayPal. May I recommend that you call PayPal ASAP and talk with a customer service rep about your account: 888-221-1161. Jun 18 13:14PDT

Seller: --Request For Payment 3rd Invoice-- Jun 21 06:33PDT
Seller Nan, the $35.00 is still DEDUCTED from my account. I'm pretty frustrated and disappointed that this has happened. I've read all your other "whole stories" and see that you've had PayPal issues before. Once you make this transaction right and I have the $35.00 back for the merchandise you received from me, I'd like to POLITELY ask you to not buy from me again with any of the different IDs you might have. Thank you for listening! And, I do hope to have that $35.00 SOON. Jun 24 09:43PDT

Seller: --Request For Payment 4th Invoice-- Jun 27 11:54PDT

Seller: Still waiting for my payment of $35.00. Jun 28 16:04PDT

Seller: --Request For Payment 5th Invoice-- Jul 05 15:06PDT

Seller: Nan, under the circumstances, I think it would be a professional gesture, on your part, to send me either a postal money order or cashiers check for the $35.00. Then, if PayPal does DECIDE to put the $35.00 back into my account, I would refund it to you IMMEDIATELY as I am a reputable and honest seller. The fact that this transaction is approaching 30 days is quite frustrating for me! Jul 05 15:12PDT

Seller: PayPal Notification: Reversed Transaction,
Date: Thu, 6 Jul 2006 09:06:26
We have conducted a review of a payment that you received. In this case, returning the funds to the sender was determined to be the appropriate action, and we have completed a reversal of the payment. Good selling practices, like trackable shipping, prompt shipment, and communication between buyer and seller help prevent disputes.

The funds from the following transaction have been debited from your account:
Transaction Date: Jun. 12, 2006 10:19:50 PDT Transaction Amount: $35.00 USD Jul 06 04:31PDT

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THE FOLLOWING WAS TAKEN FROM HER PUBLIC TRANSACTIONS WITH OTHER SELLERS ON IOFFER: Most of these transactions are with sellers based in China and for handbags of questionable authenticity: Louis Vuitton, Chanel, Fendi, Burberry, Prada, Jimmy Choo, Chloe, Marc Jacobs, Hermes, Coach, and some Tiffany jewelry. The transactions are each several hundreds of dollars worth--totally thousands of dollars!! Very suspicious buying activity.

Buyer: Hi, my paypal account is not working, I opened another one and will pay for the other 2 gracies asap. so sorry for the delay!!! Dec 19 2004 12:55PDT

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Buyer: hi, I am just waiting on funds to clear my Paypal account, I will pay tomorrow. thanks! Dec 23 2004 11:40PDT
Seller: Hi.Thank you. No prb.Sure! Dec 23 19:58PDT
Seller: Hi.Gd morning. Just to check if your paypal fund is ok already ? Thank you! Dec 27 05:23PDT
Buyer: Yes I paid already, let me send you copy of transaction. Dec 28 08:13PDT
Seller: Hi.Very good morning. Can I know your paypal name that you have use to send payment so that I can double check my record. Thank you so much Dec 28 08:28PDT
Buyer: hi, I JUST CHECKED AND I DIDN'T PAY YET, SO SORRY, I AM PAYING INVOICE NOW! Dec 28 08:29PDT

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Buyer: --Paid with PayPal-- Jan 26 2005 15:38PDT
Buyer: Please ship to my Home Address: 2600 N Thompson RD Atlanta, GA 30319 thanks so much! Jan 26 15:39PDT
Buyer: Hello, have my items been shipped? Feb 05 06:18PDT
Seller: no there is a problem with your paypal account, your payment was put on hold, i will not ship until that is resolved :) Feb 05 08:25PDT

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Buyer: --Will pay with PayPal-- Jan 27 2005 08:04PDT
Buyer: I paid via Paypal, have you shipped my items yet? Please advise. thanks Feb 07 12:48PDT
Buyer: I paid via Paypal, have you shipped my items yet? Please advise. thanks Feb 07 12:49PDT
Seller: your paypal account is locked, therefore my paypal account is holding the money. We cannot ship or refund until this is sorted. thanks Feb 08 22:32PDT

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Buyer: Hi, I will pay later tonight waiting on a funds transfer, thanks! Jan 30 2005 11:46PDT
Seller: Ok we waiting Jan 30 21:58PDT
Buyer: --Paid with PayPal-- Feb 05 06:20PDT
Buyer: Hello, I paid via paypal from . Please ship to: Moxie May 2600 N Thompson Rd Atlanta, GA 30319 Feb 05 06:21PDT

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Buyer: Hi can I pay directly with my visa card instead of through Paypal? Jan 09 2006 10:53PDT
Seller: We have merchant account with credit card company and can accept Visa/MasterCard, Discover and AMEX. We will e-mail you at your iOffer e-mail address with information to make payment directly using credit card. Thanks! Jan 09 11:04PDT

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Buyer: --Will pay with Visa/MasterCard-- May 21 2006 08:46PDT
Seller: Please kindly let me know the MTCN once the payment is sent out. Thank you! May 25 01:36PDT
Buyer: Hello, I thought I paid for this, can you send me the payment info again so I can check the western union payment. thanks Jun 01 08:43PDT
Buyer: mtcn #9055799238 Sender: Nan Freeland 2600 N Thompson Rd Atlanta, GA 30319 usa 404-403-2347 Jun 01 08:56PDT
Buyer: Hello, did you get the mtcn # I will send in email. thanks Jun 02 07:16PDT

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Buyer: --Will pay with Other Payment -- Jun 09 2006 10:05PDT
Buyer: HI I paid via westernunion check your email from greatbuys_711 Jun 09 10:31PDT

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Seller: Thanks very much for your accept and bought.for correct,do you has the pics of bag?look forward to letter and payment information from you soon.Sincerely regards Jun 12 2006 00:03PDT
Seller: --Request For Payment 2nd Invoice-- Jun 12 00:19PDT
Buyer: --Will pay with Other Payment -- Jun 12 04:44PDT
Seller: Thanks.My all detals in the invoice.Did you find it?I'll send it via Email to you again. Jun 12 08:30PDT
Seller: --Request For Payment 3rd Invoice-- Jun 16 00:25PDT
Buyer: --Will pay with Visa/MasterCard-- Jun 16 12:44PDT
Buyer: I will pay for this on June 19th. thanks for your patience. Jun 18 08:16PDT

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Buyer: --Will pay with Visa/MasterCard-- Jun 16 2006 12:45PDT
Buyer: --Will pay with Other Payment -- Jun 16 12:45PDT
Seller: Thanks.But,where's your money?So many days ago when you bought. Jun 17 00:31PDT
Buyer: I am waiting until I know you ship. I see you sold the red birkin 2x and said it was a resale from someone. How could this be? You have no ratings. I will pay when you get a rating. So sorry but it is alot of money. Jun 17 02:01PDT
Seller: I hadn't rate now.Because I'm new member on ioffer.But,I'm businessman in China.I know the credit standing was important.I read your rate,too.You offer and bought many items ,but,many hadn't payment.Did you joking with me again?If I get a rating in future,will you payment right now? Jun 17 09:10PDT
Buyer: Yes I will pay via paypal I will pay right away. thanks. Jun 17 10:59PDT
Buyer: I just paid for this order and will pay for the next one in a few days. thanks! Jun 18 08:15PDT
Seller: Thanks.Hope your letter and surplus payment soon Jun 18 10:18PDT

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Seller: --Invoice Sent-- Jun 17 2006 05:51PDT
Seller: Waitng to hear from you to clear this order Thanks Shirley Jun 28 15:01PDT

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Seller: --Request For Payment 2nd Invoice-- Jun 21 2006 02:53PDT
Seller: --Request For Payment 3rd Invoice-- Jun 21 02:56PDT
Seller: Response: Why am I receiving this PayPal eMail: It has come to our attention that you may be the recipient of potentially unauthorized funds. We have initiated an investigation into this event. In the meantime, we have placed a temporary hold on the funds in question until the investigation is complete. This temporary hold will show as a deduction in your available balance. In the meantime, you are free to continue transacting using your PayPal account Jun 23 05:22PDT
Seller: Rating Response: Why am I receiving this PayPal eMail: It has come to our attention that you may be the recipient of potentially unauthorized funds. We have initiated an investigation into this event. In the meantime, we have placed a temporary hold on the funds in question until the investigation is complete. This temporary hold will show as a deduction in your available balance. In the meantime, you are free to continue transacting using your PayPal account. Jun 24 07:03PDT
Seller: --Request For Payment 4th Invoice-- Jun 27 06:32PDT
Seller: Rating Response: NP BUYER...BEWARE OF THIS ONE Jul 04 06:16PDT
Seller: non paying buyer Jul 07 06:31PDT
Seller: paypal had cleared and then a few days later pay pal said it was fraudulent. I shipped in good faith when the funds were said to be collected after which they said fraudulent card. Now I cannot get final value credit? Jul 07 06:49PDT

Julie
Jacksonville, Florida
U.S.A.

EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

CHARGES TO YOUR CREDIT CARD

If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

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We are not a collection agency.

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...the victims' advocate

WE are Civil and Human Rights Activists

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...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.