Unauthorized Payments

[Temp20231108A]

Hello there,

I am in the middle of dealing with Paypal withdrawing unauthorized payments to both of my accounts in enormous amounts. I've received letters from Paypal acknowledging these errors are on their part however nothing is getting done and my accounts are showing I owe these payments now. It's a complete mess with absolutely no help from Paypal. I get hung up on when I call. This has been beyond detrimental to my finances. I'm at a loss with how to proceed. If you have any information, please let me know. 

Thank you!
Tanya

[What_Fresh_Hell]

There is a link to the Paypal Dispute Notice: 

https://www.paypal.com/us/webapps/mpp/ua/pp-notice-dispute?locale.x=en_US

You download that, and send it to the following address: 

You should send this notice to PayPal at: PayPal, Inc., [removed]

PayPal will send any notice to you to the address we have on file associated with your PayPal account; it is your responsibility to keep your address up to date. To be valid, the Notice of Dispute must contain all information called for in the Notice of Dispute form, including but not limited to: your or PayPal’s signature, the email address and phone number associated with the customer’s PayPal account, a description of the nature and basis of the claims that are being asserted, a statement of the specific relief sought, and any relevant documents and supporting information reasonably available to the claiming party.

If you and PayPal are unable to resolve the claims described in the notice within 45 days after the notice is received by you or PayPal, you or PayPal may commence an arbitration proceeding or suit in small claims court. A form for initiating arbitration proceedings is available on the American Arbitration Association's website at   http://www.adr.org/     The Notice of Dispute requirements are essential in order to give the parties a meaningful chance to resolve disputes informally.    

This info is available in the relatively well-hidden Paypal User Agreement. 

As always, my personal opinion (correct or incorrect) is  that all User Agreements and EULA's invented since 1980  fulfill the requirements to be

considered ABUSIVE CONTRACTS.  Those are contracts in which the legalese fine print burdens the innocent consumer with conditions that no one ever would agree to, if they only knew what was in that contract.   My further opinion is that these contracts should be outlawed to the extent

that they take away rights which congress had previously given to all Americans, and which have not yet been totally outlawed. 

If Paypal tells me that I can't tell the truth about their own user agreements, I'll ask them: Why did you make us agree to them? Huh? Feeling lucky punk? Yup, that sort of thing.  I am old enough to die for my opinions, so there is that.

I am trying to help out only because I have been mistreated by VENMO (owned by Paypal) myself, and I want them to suffer as much as possible.

[What_Fresh_Hell]

Also page down a couple times, where I posted some info about  Disputes and  arbitration/mediation, related to your problems.

[Val2023]

Let me know if you/ anyone goes ahead with a class action against PayPal. I have a case where a scammer impersonating a legitimate artisan scammed me using the "friends and family" PayPal payment option - I have documentary evidence/ screenshots etc. PayPal refused to do anything; said I should lodge a credit card dispute with my bank instead. I lodged a credit card dispute with the back and provided a lot of evidence. The bank almost approved the card dispute, until PayPal sent them a statement saying I "violated the PayPal user agreement" by accepting to use "friends and family" payment option. PayPal refuses to accept that the scammer used their own PayPal a/c to scam me under false pretence, and it was the scammer who asked me to use "friend and family" option which is against the PayPal User Agreement. Any chance I can join this or another class action against PayPal?

[kernowlass]

@Val2023 

There is no buyer protection if you use friends/family. 

When you go to use that option it clearly states on both the web and the app that you have no protection.

You still went ahead and sent a gift of money to that person, so no paypal won't help you.

In fact as its against paypal rules to send a payment for a purchase that way you are lucky they have not limited your paypal account.

[Val2023]

@kernowlass 

The usual "The Customer Is Always Wrong, We Just Keep Cashing In", right? There was no warning that the "friends and family" option is open to scams and fraud. The scammer, while impersonating a legitimate artisan working from home, requested that I use that option. So, you tell me, who violated the PayPal User Agreement. If it is established that one party of the PayPal transaction is a scammer who obtained payment fraudulently (and I have the receipts!), the correct thing to do is to return the money from the scammers bank account back to the person who was scammed. What next, let drug dealers go free because they used "friend and family" payment option to transfer funds between themselves?

[joseph0481]

I had a fraudulent debit of $12,000 when someone apparently hacked my Paypal account and sent money as friends and family. I spent a huge amount of time trying to resolve this, at no avail. I'm looking into suing PP.