I am the old skool ebay user, who signed up to pay for auctions that I won. Then, I began selling my own products and also became a merchant. At some point, I began to get a lot of fraud, and like any one else - I just wanted to reduce it so I could actually make a few pennies by year end. So.. I asked Paypal, " can you tell me what I can do to try and reduce the many charge backs?." I was then told, "Sir, we dont currenly have any information to give you, but you can submit the reciept, shipping docs, and whatever else, and we will let you know within 90 days..." Well, after the 3rd time, Im thinking - "Wow!" Im alone, that arent giving any valuable advice and no matter what I send - I always loose the chargeback "investigation"... Then I had come to learn I was faaar from alone - and that many vendors/merchants we falling victim. I had customers fax their ID, credit card, and a signed invoice... and even then, without any ability to have recourse - I would loose thousands upon thousands... Not a single word or direction, advice, sympathy, or anything from Paypal. I just felt either it was a trap or I have to be targeted for all criminal transations in the world. Since then - I left payal, I even stopped using ebay altogether. And let me tell you Amazon's attention to your problems and how they work is sooo much better then ebay/paypal. So I digress, because if you are a paypal merchant you already understand my point... Now - as a ebay customer, let me tell you another ridiculos story. So I own a business, I my servers literally crashed. I paniced, I looked to buy some servers ASAP! I mean, my business was DOWN... So I go to ebay for a good deal, I win some auctions for the servers - credit card in hand and ready to buy. SO first I buy 1 server for about 300 hundred, and the transaction went through and server is on the way - great! Now - heres the clincher, the other 2 servers and cabinet I won, cost about 1200; so of course I buy that next. And I get a "sorry, your credit card can be processed at this time" error. Im thinking "WTF!", I have literally about 500,000 in credit for my corporation and a great credit score - and also, my score on my ebay account is 100% after 5 years with about 75 transactions - not bad right?? But guess what; Paypals ingenius fraud detection system decided I "might" be a criminal and blocked my purchase of my servers... Yes, thats right.. So I call paypal, and the rep confirmed that my credit cards were not blocked at all. They said that their system "marked" me at a high risk transaction and I "HAD" to wait a day or three until is forgave me so I could try and purchase my product again. Yesd, that right "try". They didn't have the power to reveverse their omnipotent highly ineffective fraud sniffer... And I am literlly thinking of how I have the money to pay, no criminal record, and can't buy a few servers to keep my business running - all because paypal can't figure out how to be effective at what they are supposed to do. And no, its now our job to sniff fraud - we need to run our bussiness and leave that to the pros.. SO what is paypals job? to pass the responsibility that they clearly can't handle off to the helpless small business. Let me tell you - it is absolutely ridiculous and proved that they are - at the core - a failing business. Give me one job, and if I cant' do it, i will quit, keep trying, or even let you know I am still trying. But I WILL NOT, pawn the expense, responsibility, and cost - on to you. They are thieves, who hoped that could be just good law abiding citizens. I have to say that I never write messages when im upset - i usually just drop you and find better. But in this case, I have been rapped by paypal from the front and the back. As a vendor/merchant and a buyer... And I will do anything in my power to bring them down. And by the way, just as a side note - I am a college grad with a successful business. Never - never have i been this upset about how a partner in business ran their business with me.. - ever!
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