Account permanently limited after 18 years of use because of disputing Chumba Casino VGW Holdings

[MeSoStupid]

(I apologize--this post was supposed to be under the PROTECTION category but somehow ended up under Payments)  I find this totally devastating.  I have been an upstanding member doing well over 1000 transactions on Ebay in the past and using PayPal without a hitch (except for when my Facebook account got hacked a few years ago, but that was resolved quickly).  In the past month I have recently been attempting to dispute a large amount of transactions all to one merchant VGW Holdings / Chumba Casino.  I became aware this merchant was fraudulently misleading patrons into thinking they were conducting a legal virtual business located in the US.  Suddenly I had several of my charge cards posting all these foreign fees on my account.  I immediately requested my money be refunded as I was having other issues with this vendor.  I place a dispute on the transactions that still had money on account all to have them entirely disable my account and not issue any refunds.  While I was doing my disputes I discovered some transactions that also took place while my husband and I were away on vacation (and after doing reading after--rather than before--seems to be another regular issue with this merchant on bogus charges.   I have provided all this supporting documentation in support of my claims showing how they claim they are in the US when in reality they are in Malta, showed a copy of an email showing my account was deactivated with all my money still on account, showed copies of bogus emails stating refund being processed but only taking my money out of my account but doing no refund, and on and on.  Everything I disputed was denied with no buyer protection.  I had a nightmare trying to use the resolution portal because the respond button would take you to an unable to process error--I could never upload any documentation so I would send via email/fax.   I called PayPal customer service numerous times explaining when my account became deactivated by VGW Holdings because of disputing not in the US and with a majority of everything I had purchased still on account --it became a case of not received despite them showing my initial receipt.  Received a reply from PayPal sorry can't do anything--they provided all required.  I called customer service and talked to a really nice gentleman and he said it is so irritating on how these kind of situations are handled and told me to contact my charge cards directly.  I did just that as I got no where with PayPal.  Now low and behold today I have lost access to ever using PayPal again because of having too many disputes against this one vendor.  This was not a case of buyers remorse--this is a merchant that should be stopped and now they have all my personal information and feel identity theft is a possibility in the future as well.   When I was midway in doing the disputes I received an email from PayPal stating my account may become limited if I continue in creating disputes.  Now why should I stop disputing things that legitimately need to be disputed?!  I don't know if I have any recourse or not as I was told  "We've limited your account because of the excessive number of claims you're involved in. We recently emailed you about this issue. Our records now show that since emailing you, you've continued to be involved in an excessive number of claims. This is considered abuse of our Buyer Complaint process and violates the PayPal User Agreement"  I can understand if I repeatedly disputed transactions against many sellers--but that is not the case--these are all against one seller and I am far from being the only person with an issue against Chumba / VGW Holdings.  There are many comments of people having similar issues and many comments on how PayPal does nothing for the victim and continually rules in favor of Chumba Casino.  The internet is full of comments on this fraudulent merchant but instead PayPal makes me look like the bad person and problem allowing Chumba / VGW Holdings to continue scamming people.

[MeSoStupid]

This is how PayPal's resolution works--this is too convenient that for as far back as you read people can't even do what is needed to support their claims.  Do you pick who you want to be able to provide supporting documentation?!

[MeSoStupid]

PayPal Customer Service is the worst ever.  Please see an email from PayPal in regards to claims that were still open on my account against this fraudulent merchant when my PayPal account was limited.  Of course just like all other claims--they were denied because of no buyer protection but I was supposed to be given the chance to respond to provide additional documentation.  I send an email provided pages of supporting documentation and this is what I get in response!!!

Hello,

Thank you for contacting PayPal regarding your limitation.
 
We appreciate your interest in PayPal. Unfortunately, our decision to limit your account is final.
 
PayPal reserves the right to limit any account that is involved in high risk behavior - including accounts that have an unusually high transaction reversal rate (you did nothing to support me--so there were NO REVERSALS). As a result of this limitation you will not be able to send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection, and future claims will be denied. Please feel free to continue and pursue a resolution directly with the seller.
 
To minimize the disruption to your business, you can continue to log in to your account for the next 180 days. It is no longer possible to use your credit card on this account.
    * If you have a negative balance, please add money to your account to bring your balance to at least zero. (If you choose not to resolve your negative balance, we may take legal steps to collect the money.)
    * Visit the Resolution Center to resolve any outstanding buyer complaints or
chargebacks.
    * If you'd like to refund any of your buyers, you can reply to this email with the transaction details. We'll send a refund on your behalf using money from your PayPal balance.
 
Here's how to view the status of a buyer complaint:
   1. Log in to your PayPal account.
   2. Click "Resolution Center" near the top of the page.
   3. Select "Open Cases" from the drop-down menu next to "View."
   4. Click "Status" next to the transaction.
 
After 180 days, we'll contact you to let you know how to withdraw any money that remains in your PayPal account. You can transfer the balance in your PayPal account to your bank account or ask us to send you a check. (You can't withdraw your money now because we want to make sure that you have money in your account to cover any new complaints or chargebacks.)

Yours sincerely,
Tino
PayPal

AND HERE IS MY RESPONSE TO YOU PAYPAL ON THIS SITUATION!!  I would like to say that this response is absolutely pathetic and robotic—but not surprising as it follows suit with how you have handled things from the start of my fiasco against VGW Holdings/Chumba Casino from the start.  You have done NOTHING but support this fraudulent seller.  You did not do one freaken reversal on my behalf nor did you put any effort into researching one thing.  I repeatedly provided over 10 pages of supporting documentation supporting my cases.   Your resolution module is not a functioning system as half the buttons do not even work (which now makes one wonder if this is intentional as well).  In order to provide supporting documentation, I would have to do another email or phone call.  Numerous times I would call and receive assistance from either someone totally inept or deliberately giving bogus emails to provide documentation.  Seriously to give the email SERVICE@ (can't put reset of email--not allowed) 

You know this is not an email that accepts any emails--it bounces back immediately but yet--told to use that twice!!  Then during emails, I would provide directly in the subject and the body of the email the case #'s, my email, and the seller being disputed email address.  Just like freaken clockwork--I would receive an email back saying--PayPal would like to help but first I must provide my email, case number in question, and seller's email address in which funds went.  Seriously--what the heck are you people getting paid for?!!!!   I am the one who got **bleep** by a fraudulent seller not once but many times.  Your community board and the internet are full of complaints on this same merchant!!!!!!  I placed a dispute on several transactions because of this seller fraudulently represented themselves all to have this seller immediately deactivate my account with over $28000 still on account in purchases as soon as PayPal notified them of the initial dispute.  It was at that time I placed additional disputes because everything I purchased became not received.  My money was at that point STOLEN BY THIS MERCHANT YOU ARE SUPPORTING.  You have a seller that is allowed to get away with fraud by PayPal not offering any buyer protection on virtual items despite supporting documentation provided.  Now you have permanently deactivated my account which has been in place for almost 20 years with a stellar reputation on eBay and over 1000 transactions and everything else it was used for.  Now the disputes that were still on going, you are washing your hands clear of even having to do any work on because now those are suspended as well with my account being permanently limited.  I will never understand why one person is allowed to make a decision just because they can regardless of the facts or the supporting documentation presented.  THESE DISPUTES ARE ALL AGAINST ONE MERCHANT--IT IS NOT LIKE I HAVE A HABITUAL HABIT OF DISPUTING MANY MERCHANTS.  You are supporting an overseas, fraudulent merchant by giving them loopholes to conduct their unethical business and now you permanently limit my account because I made you do a little work!!!!!  I was and still am a very conscientious seller and buyer on eBay—hence my excellent feedback rating (oh but that is something you probably do not care about because eBay is dropping PayPal!!)  Well it appears you are in business with vendors like Chumba Casino because that is whom you choose to allow to continually use PayPal.