The Straight Dope

Go Back   Straight Dope Message Board > Main > General Questions

Reply
 
Thread Tools Display Modes
  #1  
Old 01-09-2004, 10:21 AM
Bag of Mostly Water Bag of Mostly Water is offline
Charter Member
 
Join Date: Nov 2003
Location: In a canyon, in a cavern
Posts: 497
How Does PayPal Handle Disputed Credit Card Charges?

The background:

I bought something from someone via eBay. Immediately after the auction closed, the person contacted me and requested I send payment to a specific PayPal account. As the email address associated with the eBay acount did not have a PayPal account (got that?), I stupidly didn't think much of this. Sending money to a third account like this voids eBay's buyer protection.

So, it's now been three weeks and I haven't received anything. The phone number associated with the eBay account is disconnected. The email address to which I sent the money has been suspended. I now have no way to contact the seller.

I have filed complaints with with eBay and PayPal. Both were sympathetic, investigated, confimed there was fraud, and said they can do nothing more under their rules. PayPal did say they would continue to attempt to recover the money. This does not seem likely.

My question:

I used my credit card to pay PayPal for this charge. I have called my credit card company and put this charge in dispute. I think this puts a hold on the payment to PayPal. If I understand the PayPal terms of service, I am obligated to pay PayPal. How will PayPal react to my disputing the credit card charge? Can I legally disbute a charge to PayPal when my problem is with one of PayPalís ex-customers?
Reply With Quote
Advertisements  
  #2  
Old 01-09-2004, 11:09 AM
Fear Itself Fear Itself is offline
Charter Member
 
Join Date: Apr 1999
Location: 847 mi. from Cecil
Posts: 29,163
If a buyer initiates a chargeback on a credit card payment, the seller is charged for it:

PayPal User Agreement
Quote:
By accepting a credit card payment, you agree that you are responsible for the payment if it is reversed. If such reversal occurs on a credit card funded payment made to your account, we will reverse the payment and debit your PayPal account balance to pay for the reversal unless the transaction is covered by the Seller Protection Policy. If there are insufficient funds in your PayPal balance, you agree to reimburse PayPal through other means, as described in the Payments (Sending, Receiving, and Withdrawing) Policy.
As noted, the only problem would be it the seller qualified under the Seller Protection Program, which it sounds like he does not, as he did not meet the following requirements:
Quote:
[list=A][*]The seller ships to the address listed on the Transaction Details page.
[*]The seller can provide reasonable proof-of-shipment which can be tracked online. This documentation must show that you shipped to the address listed on the Transaction Details page.[/list=A]
Sounds like if the credit card issuer refunds your paymnet, PayPal goes after the seller and leaves you alone.
Reply With Quote
  #3  
Old 01-10-2004, 04:29 AM
Markxxx Markxxx is offline
BANNED
 
Join Date: Apr 1999
Location: Chicago,IL
Posts: 14,962
PayPal will leave you alone if you go thru them first. They get real upset if you initiate a chargeback and don't work with them.

I've done this because PayPal is hard to work with. Also it costs a credit issuer about $25 a chargeback so if you're dispute is less than that they generally give it to you regardless.

Paypal got mad and "threatend" to close my account many times. They never did it yet.

Has the seller been NARU'd yet?

Fake info (address, phone etc) is grounds for that.
Reply With Quote
  #4  
Old 01-10-2004, 05:31 AM
Eleusis Eleusis is offline
Guest
 
Join Date: Oct 2002
Required reading
Reply With Quote
Reply



Bookmarks

Thread Tools
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off

Forum Jump


All times are GMT -5. The time now is 05:43 AM.


Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2014, vBulletin Solutions, Inc.

Send questions for Cecil Adams to: cecil@chicagoreader.com

Send comments about this website to: webmaster@straightdope.com

Terms of Use / Privacy Policy

Advertise on the Straight Dope!
(Your direct line to thousands of the smartest, hippest people on the planet, plus a few total dipsticks.)

Publishers - interested in subscribing to the Straight Dope?
Write to: sdsubscriptions@chicagoreader.com.

Copyright © 2013 Sun-Times Media, LLC.