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since ‎Aug-15-2011
I3ongwat3r
I3ongwat3r Frequent Contributor
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Re: Paypal granted the buyer a refund even though ...

by I3ongwat3r Frequent Contributor in Disputes and claims (Archive)
‎Nov-03-2011 12:02 PM
‎Nov-03-2011 12:02 PM
@GarlandParty wrote: I don't care what the user agreement says, it doesnt say people can take your merchandise and keep their money now, does it ? It doesnt say Paypal will beleive the thief no matter what, now does it ? Unless you are reading that someplace else but MY user agreement did not dsay that. YOUR user agreement is obviously a fictitious document existing only in YOUR head because the paypal user agreement says:    Payments received in your Account may be reversed at a later time, for example, if such a payment is subject to a Chargeback, Reversal, Claim or is otherwise invalidated. This means that for some of our Sellers, payments received into their Account may be returned to the sender or otherwise removed from their Account after they have been paid and/or delivered any goods or services sold.   4.4 Risk of Reversals, Chargebacks and Claims Agreement if you lose a Claim or a Chargeback, or if there is a Reversal of the payment. You agree to allow PayPal to recover any amounts due to PayPal by debiting your Balance. If there are insufficient funds in your Balance to cover your liability, you agree to reimburse PayPal through other means. If a sender of a payment files a Chargeback, the credit card issuer, not PayPal, will determine who wins the Chargeback.   Credit card chargeback rights are broader than PayPal’s protection programs. Credit card chargebacks may be filed more than 45 days after the payment and may cover unsatisfactory items even if they do not qualify as significantly not as described.   10.1 Your Liability General . You are responsible for all Reversals, Chargebacks, Claims, fees, fines, penalties and other liability incurred by PayPal, a User, or a third party caused by or arising out of your breach of this Agreement, and/or your use of the PayPal Services. You agree to reimburse PayPal, a User, or a third party for any and all such liability.   Liability for Claims under PayPal Purchase Protection . If you are a Seller and PayPal makes a final decision that you lose a Claim filed directly with PayPal, you will be required to reimburse PayPal for your liability. Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back).   10.2 Reimbursement for Your Liability. In the event that you are liable for any amounts owed to PayPal, PayPal may immediately remove such amounts from your Balance. If you do not have a Balance that is sufficient to cover your liability, your remaining Balance (if any) will be removed, your Account will have negative Balance up to the amount of your liability, and you will be required to immediately add funds to your Balance to eliminate the negative Balance. If you do not do so, PayPal may engage in collection efforts to recover such amounts from you.   I am quite sure that does say you can be robbed of your money and merchandise.  You should go back to school and learn to r-e-a-d ... View more

Re: paypal holding my money/pendind, is that legal...

by I3ongwat3r Frequent Contributor in eBay and PayPal (Archive)
‎Nov-03-2011 11:50 AM
‎Nov-03-2011 11:50 AM
@marycavanaugh wrote: I don't know how paypal can hold SOMEONE elses money legally, good feedback or no feedback!,   confirmation of delivery or not. I was paid PERIOD and should have access to my money immediately! Your USAGE of caps LOCK is entirely inappropriate AND inconsistent.     It is paypals policy to hold your funds, did you not read the legally binding terms of service? ... View more

Re: paypal **bleep**s people

by I3ongwat3r Frequent Contributor in Disputes and claims (Archive)
‎Nov-03-2011 11:46 AM
‎Nov-03-2011 11:46 AM
@neveragain wrote: credit? i got tons of credit cards. my god wake up even banks and car companies goin broke lmao but i wont take gettin ripped lying down. i had 3 witness standing there when i opened that box letem sue ill counter sue You lost a SNAD dispute, how can you not understand that?   If you let your Paypal account sit negative for too long they will send you to active debt collections.  It will ruin your credit after too long and your paypal will be locked.  They will not sue you over 150 dollars and you won't sue them because you are incompetent of such. ... View more

Re: HORRIBLE IDEA TO HOLD FUNDS FOR 21 DAYS!!!

by I3ongwat3r Frequent Contributor in eBay and PayPal (Archive)
‎Nov-03-2011 06:10 AM
‎Nov-03-2011 06:10 AM
You realize this thread was started in 2009. And you try to tell me this policy is new.  My WHOLE point it.  Don't sign things you didn't read and you wouldn't be in your current situation.    If the SEC cared so much you think people would be arguing over this same crap for over 2 years?  ... View more

Re: HORRIBLE IDEA TO HOLD FUNDS FOR 21 DAYS!!!

by I3ongwat3r Frequent Contributor in eBay and PayPal (Archive)
‎Nov-02-2011 02:46 PM
‎Nov-02-2011 02:46 PM
@makdknife1 wrote: In light of illusions1137's reponse I gotta say... BUSTED! Bet you won't try to comeback on him.  Note:  I don't gamble.  illusions boxed you in! Can't fight your own battles eh?  Good for you, join the majority scum of mediocrity. ... View more

Re: HORRIBLE IDEA TO HOLD FUNDS FOR 21 DAYS!!!

by I3ongwat3r Frequent Contributor in eBay and PayPal (Archive)
‎Nov-02-2011 02:45 PM
‎Nov-02-2011 02:45 PM
The policy has been there all along.  Fact, only recently has paypal been applying the policy on a wide spread scale.   Not all users have 21 day holds. Fact   That was simple.   You will see I know much more on this subject than you two n00bs. Go back to page one of this thread read it all the way through and come back then we will talk.   The last part of my previous post is from Paypal_Andy (how did you misinerpret that) take your simple minded complaints up with him lol.   And when you sell on Ebay/Paypal you ARE acting as a business, step up and take responsibility.   Im not a paypal fanboy, I am not here to support paypal.  I am simply encouraging the people here to actually read what they are signing before you come out spewing irrelevant complaints about policy and right and wrong, because if you didnt know. In the real world business dont give a crap about right and wrong and neither does your fellow man.   So tell me honestly tell me did you read the user agreement, even once prior to seeing the parts I pasted here?  Did you read it before agreeing to it?  Cause if you didn't then it is your own **bleep** fault. ... View more

Re: HORRIBLE IDEA TO HOLD FUNDS FOR 21 DAYS!!!

by I3ongwat3r Frequent Contributor in eBay and PayPal (Archive)
‎Nov-02-2011 01:34 PM
‎Nov-02-2011 01:34 PM
@makdknife1 wrote: Sure they can hold you funds for good reasons.  Are you a robot?  I can write a letter saying anyone can put a bullet in my head, I give them permission to, go down to a notary, have it notarized and give it to the police department.  A signed authorization for someone to murder me.   Now...if someone murders me, does that notarized note I gave to the police to hold, giving my permission for someone to murder me automatically make my murder not a crime?   Start living in the real world, and you do work for PayPal whether you know it or not... See all I had to do was prove a few people wrong and they come up with actual legitimate arguments instead of stating things like " I didn't sign anything" and "Nowhere does it say blah blah blah"  Well done it is about time.   I understand you may have 100% feedback and be a long time member, but again you signed that contract that clearly states paypals risk assessment procedures are private and they don't have to disclose them to you.  I know that sounds like crap and it is, but they told you and you still signed it.    The real reason Paypal holds the funds, besides for the interest, is because a overwhelming number of people on Ebay/Paypal are scampers and don't have good feedback and are trying to rob other people and in essence the 21 day hold is there to help you but people don't see it like that.  You think because it has always been this way it will always be.  The policy has been there the whole time, just now though is it being implemented on a larger scale, but still just a small percentage of members at a time. If you are so confident on how good of a seller you are then you will put up with the 21 day hold rigmarole until they stop holding your funds.  Another valid point when you get paid and hourly wage how often have you had a job where you get paid immediately for work done, most often an employer pays weekly or bi weekly am I right.   As far as my occupation is concerned I don't work for Paypal. If anyone here does it would be someone with money in their paypal account, someone who uses their services.  I just troll the forums   On another note here is a PAYPAL EMPLOYEE answer to the 21 day hold.   Re: ANSWER to SHIPPING FUNDS RELEASE via asking PAYPAL_ANDY Jul-11-2011 07:21 PM   After reading your questions and some of the other questions, it occurred to me that just possibly we haven't laid out in one place exactly how your money gets released in the case of holds, including the shipping. So let's get that outta the way. The 21 day hold is the absolute maximum that a payment would be on hold (excluding of course if you received a dispute). For the full amount to be released before that point, you would need online tracking at which point we would release the payment 3 days after we can confirm delivery. This is to allow the buyer time to use the product and possibly file a dispute. If you use PayPal/eBay shipping, our system is smart enough to check that tracking number and automatically release the hold 3 days after delivery. If you add a tracking number from the payment details, our system has issues checking that and most likely won't automatically release the payment (sometimes it will, which I have no explanation for).   As far as the shipping costs, if you use PayPal shipping, our system releases the cost of shipping within 24 hours of creating the label; in a lot of cases within a few moments of printing the label. This is supposed to work using eBay shipping as well, but I believe that that is a little hit or miss (simply because the communicate between eBay and PayPal's systems doesn't always work as smoothly as we might like). If you do not have an available balance prior to creating the label, the system will use your funding source (most likely your bank) for the cost of shipping then will release that amount into your PayPal balance. To avoid using your funding source to pay for the label, I would recommend floating a couple of transactions in your account (so instead of withdrawing everything, you leave enough of a balance to cover shipping of one or more items). This will keep you from having to pay for shipping out of your pocket and mathematically will maintain that balance in your account.   So that's the long and short of holds being released and shipping costs being released. As I stated in my first response to you, we sometimes have....gremlins...that keep things from working as they should. But under ideal (and mostly ideal) circumstances, the above is how things should work. I sincerely apologize that you've received mixed messages from the agents that you've spoken with on the phone. Obviously that's something we'll need to address internally so everyone is on the same page.   On a separate level, I do want to say that I appreciate you trying to keep this a positive thread (for now ). I hope that the vitriol that has infested some of the other threads about this topic can be kept at bay.   Finally, I hope this clears this up and condenses things into a nice and easy to understand package. If not, lemme know and I'll see what I can do about answering questions. But remember, if it's a question like "Why does my account have holds, I've never done anything!", I won't be able to answer that. We cannot provide account specific assistance here on the boards, so you would need to contact a customer service agent for that.     ... View more

Re: HORRIBLE IDEA TO HOLD FUNDS FOR 21 DAYS!!!

by I3ongwat3r Frequent Contributor in eBay and PayPal (Archive)
‎Nov-02-2011 12:50 PM
‎Nov-02-2011 12:50 PM
@whyte66angels wrote: Frank I understand everyone needs to cool down abit but when your lively hood is at stake it matters. Your lively hood is NOT at stake. I know it really isnt paypals fault but in our user agreement that everyone signed I have yet to read that a third party can have access to our accounts & put "Holds" on them. Paypal was supose to be looking out for MY interest not the third party's. I did not give anyone permission to hold my funds. I love it everyone assumes I am a paypal employee until an actual paypal employee shows up and they try to rip Frank apart.   To your ridiculous post, did you not read the user agreement at all?!  Or even the few sections related to this just two posts before?  Really I am asking you, are you blind or illiterate?  Cause there it is, black and white, you did give paypal permission to hold your funds, stop playing dumb and trying to dispute that fact.   You can come up with a legitimate argument but "I NO GIV NO PAYPALS NO PERMISSSNS TO HULD MY FUNDZ" isn't going to cut it   ... View more

Re: Class Action Lawsuit vs. Paypal

by I3ongwat3r Frequent Contributor in eBay and PayPal (Archive)
‎Nov-02-2011 12:16 PM
‎Nov-02-2011 12:16 PM
U MAD BRO!?!   *insert appropriate meme* ... View more

Re: HORRIBLE IDEA TO HOLD FUNDS FOR 21 DAYS!!!

by I3ongwat3r Frequent Contributor in eBay and PayPal (Archive)
‎Nov-02-2011 12:11 PM
‎Nov-02-2011 12:11 PM
Pricelesslol   You dont know if paypal is investing your funds, you assume and you know what they say about that.  My argument is not based on whether or not paypal is playing with your money, risking it on investments or whatever, my point was someone above mentioned said that you should gain interest on held funds i was just pointing out that we all relinquished those rights.    And as far as having a reason to hold your funds.    10.4 Actions by PayPal - Holds. Risk-Based Holds. PayPal, in its sole discretion, may place a hold on any or all of the payments you receive when PayPal believes there may be a high level of risk associated with you, your Account, or any or all of your transactions. PayPal’s determination may be based on a number of different factors and PayPal may rely on information it receives from its third party partners such as eBay. If PayPal places a hold on a payment, the funds will appear in your “Pending Balance” and the payment status will show as “Completed - Funds not yet available”. If PayPal places a hold on any or all of the payments you receive PayPal will provide you with notice of our actions. PayPal will release the hold on any payment after 21 Days from the date the payment was received into your Account unless you receive a Dispute, Claim, Chargeback, or Reversal or PayPal has taken another action permitted under this Section 10. PayPal, in its sole discretion, may release the hold earlier under certain circumstances, for example PayPal may release the hold earlier if you have uploaded tracking information. If you receive a Dispute, Claim, Chargeback, or Reversal, PayPal may continue holding the payment in your Account until the matter is resolved pursuant to this Agreement.   In Section 10 relating to your liability and the actions we may take.  Users rights, responsibilities and liability under this section have not changed except for the addition of your acknowledgment that our decision to take certain actions such as holds and reserves is based on confidential criteria, and your agreement that we have no obligation to disclose the details of our risk management or security procedures.   (Who in their right mind would agree to that?)   For good measure here is some more finely worded, rarely read things in the user agreement.   section 1.1 our relationship with you We do not guarantee the identity of any User or ensure that a buyer or a Seller will complete a transaction   You should regularly log into your Account and review your Account statement to ensure that there has not been an Unauthorized Transaction or Other Error. PayPal will also send an email to the primary email address you have provided in order to notify you of each transaction from your Account. You should also review these transaction confirmations to ensure that each transaction was authorized and is accurate.           ... View more
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