PayPal - Ebay subsidiary a RipOff and does business with theifs, cooks, fraudulent sellers, and mobsters. Accepts credit card services for sellers that commit fraud and don't send your merchandise. Internet

On November 15, 2004 I bought a HP Compaq NX9010 P4 3.06Ghz Laptop computer on Yahoo Auctions. I paid $650.00 for the laptop on my Bank of America debit card. I received confirmation that the seller named (Aka Christine Young or William Yong) had received my payment through PayPal (credit card services) merchant services.

So, I wrote the seller back and asked for a shipping tracking number for the shipment of the computer. The seller replied back to my e-mail, he or she stated that they had already sent the merchandise and forgot to get a tracking number.

I replied to the e-mail and said thanks of course for getting the merchandise out quickly. I wait 10 days for the laptop computer to arrive by UPS and it doesn't show up, so I decide to contact the seller. I e-mailed the seller and ask if she or he sent the package. They replied that it should already be there and they asked me to wait a couple more days since it was Thanksgiving weekend. I waited until Monday night and the laptop still had not shown up, I then decided to call UPS to see if they could track the package by name. UPS stated that they had no package being sent to me by that seller's name.

I e-mailed the seller to let them know that I still had not received the laptop and that I contacted UPS. I told him or her that UPS stated to me that there were no packages in the system being scheduled for delivery to me with there name on it. The seller wrote me back stating that he would contact UPS in the morning to find out what was going on. I receive no e-mails from the seller after this, he or she stop responding to my attempt s to e-mail him or her.

I contacted PayPal and my bank to resolve this case of fraud. I had my bank do a charge back on the bad transaction, since I paid for it on my debit card which carries buyer protection plan. PayPal wrote me back stating that they were going to investigate the incident. PayPal also claims to have buyer protection on there website as well.

So, another few days pass, my bank does the charge back and refunds the money on December 3, 2004. On December 13, 2004 PayPal does a debit transaction to my account and takes the money back. I contacted PayPal and they don't want to give my money back and claim to have done nothing wrong by allowing a verified fraudulent seller to steel my money.

This money I paid out for this laptop computer was for my college studies. It is government money that I borrowing so I can get a degree at a local University that I attend. The money was earmarked for a laptop that I need for school. PayPal responded that could not get the money back from the seller so I must take the loss. My bank still has done nothing to retrieve the money and PayPal has refused to answer my banks inquiries.

I e-mailed PayPal and told them that PayPal needs to provide disclosures to the buyers on the front page of all auction sites that uses there services that will not be responsible for fraudulent transactions or unsatisfactory merchandise not sent or sent by the seller when using PayPal services. PayPal has refused. BOYCOTT PayPal and E-bay before you get burned. Below I attached the e-mails I received from PayPal.
Dear Alan Hoffer,

Thank you for contacting PayPal.

I apologize for any inconvenience or concern this has caused.

As stated previously, the PayPal Buyer Complaint Policy does not guarantee recovery of your funds, and recovery is done on a best effort basis. It does not matter whether or not the seller is verified or unverified. The amount refunded to you represents the total amount PayPal was able to recover from the seller's PayPal Account. Although the claim is closed, the dispute is noted in the seller's account records, and the seller will need to complete the refund to you if he/she wishes to continue the use of PayPal's service.

You can review the PayPal Buyer Complaint Policy in our User Agreement by clicking on https://www.paypal.com/useragreement or copy and paste the entire link into the address bar.

We value your business and regret that you have had this experience. To avoid similar experiences in the future, we recommend that you read our Security Tips on our website by clicking on https://www.paypal.com/buyertips or copy and paste the entire link into the address bar.

If you have any further questions, please feel free to contact us again.

Sincerely,
Paula
Risk Operations
PayPal, an eBay Company


Original Message Follows:
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Well all I can say is that you verified this seller. You allowed this seller to use your service to defraud people. Your company is responsible for this person misusing your services as you made it readily available. To tell you the truth, I don't even think this person exists. You need to call the police and the FBI.

This is fraud to sell something that you don't actually own or have to sell. Your company needs to take steps to get your money back, because you're not going to rip me off! If you think you can rip me off and let me hold an empty bag, well you're wrong. I will have every government agency that I can do anal microscopic probe in to your company's deceptive practices on E-Bay and PayPal. If you don't want to refund money from fraudulent transaction, then you need to make sure that you start using this kind of statement on every website that sells products with the PayPal or E-bay logo on it.

You should include this type of statement on every seller site who sells merchandise through E-bay, Yahoo and so forth and who does transaction through PayPal:

"If you use PayPal to by merchandise from this seller we can not guarantee that you will receive this merchandise nor can we be held responsible if you pay through our services for this merchandise and the seller still does not send you the merchandise that you won. We will not refund any money for any transactions that take place through PayPal. We are also not responsible for any other types of fraud, broken merchandise, lost packages, and so fourth."

I dare your company to start using this above message on each seller's web page that uses the branding of PayPal is accepted on their site. I bet you won't have sellers selling or buyers buying anymore. I will definitely make sure that your company will be force into using statement on all seller websites on E-Bay and on any other websites that use or accept PayPal if you don't refund my money.

Alan XXXXXX

-----Original Message-----
From: webform@paypal.com [mailto:webform@paypal.com]
Sent: Tuesday, December 14, 2004 10:12 PM
To: Alan XXXXX
Subject: Re: CreditCards:PaymentwithCreditCard (Routing Code:
C840-XXXX-Q235-T2600-XXXXX) (XXXX5075810V90294XXXX)

Dear Alan XXXXXX,
Thank you for contacting PayPal with your concern.
I am sorry that this situation is frustrating. In this case, we were not able to recover any more funds from this vendor yet; however, we are still trying. The seller needs to take action to add funds to their PayPal account to resolve this issue.

In accordance with our User Agreement, the PayPal Protection Services team worked your complaint to the best of their ability attempting to secure a refund for your transaction. Unfortunately, there were not sufficient funds in the seller's account to pay any of your claim. We may however, limit the use of seller if he or she has unresolved complaints on their record.

If this transaction occurred on an auction site, we encourage you to contact that auction site, as they may provide you with insurance coverage. We value your business and regret that you have had this experience. To avoid similar experiences in the future, we recommend that you read our Security Tips on our website located at: https://www.paypal.com/buyertips If you have any further questions, please feel free to contact us again.

Sincerely,
Roger
Risk Operations
PayPal, an eBay Company
Original Message Follows:
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Form Message
customer subject: Credit Cards; Payment with Credit Card; Fraud customer message
Additional Information: 'Recently I received a response from your company on a fraud issued Case Number: PP-XXX-XXX-XXX using a verified PayPal seller. This resolution is not satisfactory to my bank nor to myself. Since, your company accepts credit cards to make online purchase you are required by law to follow the credit card companies' policies on fraud. You must return the money at once. The letter your company sent to me is not acceptable outcome. If you need to make changes to your system on who should be allow to sell and collect payments, then you should do so, but to trying and stiff me is not an option! Your company needs to deal with its responsibilities not avoid them.

Alan XXXX
xxxxxxxxxx@msn.com
________________________________________________________________________

Thank you for contacting PayPal with your concern.

I am sorry that this situation is frustrating. In this case, we were not able to recover any more funds from this vendor yet; however, we are still trying. The seller needs to take action to add funds to their PayPal account to resolve this issue.

In accordance with our User Agreement, the PayPal Protection Services team worked your complaint to the best of their ability attempting to secure a refund for your transaction. Unfortunately, there were not sufficient funds in the seller's account to pay any of your claim. We may however, limit the use of seller if he or she has unresolved complaints on their record.

If this transaction occurred on an auction site, we encourage you to contact that auction site, as they may provide you with insurance coverage.

We value your business and regret that you have had this experience. To avoid similar experiences in the future, we recommend that you read our Security Tips on our website located at: https://www.paypal.com/buyertips

If you have any further questions, please feel free to contact us again.

Sincerely,
Roger
Risk Operations
PayPal, an eBay Company


Original Message Follows:
------------------------
Form Message
customer subject: Credit Cards; Payment with Credit Card; Fraud customer message
Additional Information: 'Recently I received a response from your company on fraud issued Case Number: PP-057-120-972 using a verified PayPal seller. This resolution is not satisfactory to my bank nor to myself. Since, your company accepts credit cards to make online purchase you are required by law to follow the credit card companies' policies on fraud. You must return the money at once. The letter your company sent to me is not acceptable outcome. If you need to make changes to your system on who should be allow to sell and collect payments, then you should do so, but to trying and stiff me is not an option! Your company needs to deal with its responsibilities not avoid them.

Alan XXXXXXX
xxxxxxxxxx@msn.com

________________________________________________________________________

Dear Alan XXXX,

After careful review, we have concluded our investigation into the Buyer Complaint described below.

------------------------------
Complaint Details
------------------------------

Transaction Date: Nov. 16, 2004
Transaction Amount: -$664.49 USD
Case Number: XX-XXX-XXX-XXX
Seller's Name: Christine Young
Seller's Email: foreveryoung02840@yahoo.com


We have determined that the seller is at fault in this matter but regret to inform you that we were unable to recover any funds from the seller's account. As stated in the PayPal User Agreement, recovery of funds associated with a Buyer Complaint cannot be guaranteed.

If this transaction took place on eBay, we encourage you to contact eBay. If the transaction was for an amount greater than $25.00 USD, you may qualify for partial reimbursement under eBay's Standard Purchase Protection Program. If this transaction took place on another auction site, we encourage you to contact that site to see if they offer insurance or dispute resolution.

Thank you for your cooperation and we apologize for any inconvenience this situation may have caused. Please know that we will make our best effort to recover the funds in question if they become available in the seller's account in the future. Please also be assured that we will take appropriate action against the seller. Such action may include issuing a warning, a temporary restriction, or terminating the account. Keep in mind that PayPal uses a number of factors to determine when to take action, including member complaints. Due to privacy laws, we cannot discuss the details of any action taken. We hope you understand our policy and that it assures you that you are safe using PayPal.

To ensure that future transactions proceed smoothly, we recommend that you review these Security Tips:

We appreciate your business, and regret this experience.

To make sure future transactions proceed smoothly, we suggest reading these Security Tips:

http://www.paypal.com/us/cgi-bin/webscr?cmd=p/gen/fraud-tips-buyers-outside

Sincerely,

Protection Services Department


Please do not reply to this e-mail. Mail sent to this address will not be received and therefore, not answered. For assistance, log in to your PayPal account and click the "Help" link in the footer of any page. If your inquiry is regarding a claim, log in to your PayPal account and go to the Resolution Center


Dear Alan XXXXX,

Thank you for contacting PayPal. We have begun our investigation of the following transaction:

------------------------------
Complaint Details
------------------------------

Transaction Date: Nov. 16, 2004
Transaction Amount: -$664.49 USD
Case Number: PP-XXX-XXX-XXX
Seller's Name: Christine Young
Seller's Email: foreveryoung02840@yahoo.com



https://www.paypal.com/us/cgi-bin/webscr?cmd=_complaint-view-details&cid=PP-057-120-972

We will make every effort to resolve this claim within 30 days although we may require additional time to complete our investigation.

Our investigation will be made on a best-effort basis and PayPal cannot guarantee funds recovery. For more information about our Buyer Protection Policy, please review the PayPal User Agreement at:

http://www.paypal.com/us/cgi-bin/webscr?cmd=p/gen/ua/ua-outside

Sincerely,

PayPal Complaint Resolution


Please do not reply to this e-mail. Mail sent to this address will not be received and therefore, not answered. For assistance, log in to your PayPal account and click the "Help" link in the footer of any page. If your inquiry is regarding a claim, log in to your PayPal account and go to the Resolution Center.


Please protect yourself from fraud do not use E-bay Auctions, PayPal merchant services, or Yahoo Auctions.

Alan
Renton, Washington
U.S.A.

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