So, I sold a $15 item a while back. The item was delivered (proof with a USPS tracking number), and the buyer actually left positive feedback on my seller feedback profile. About a month later, I get a PayPal notice that this person had filed a chargeback with his CC issuer stating he did not purchase this item. So, PayPal holds $35 from my account (their $20 chargeback fee and the $15 for the item) until they can make a ruling. They ask me to submit proof of the delivery of the item and any other photos or documents to support my claim. So, I send them a tracking number along with jpg's of the ebay sale showing his username and his username again on my eBay profile page where he left positive feedback. Easy-Peasy, right? NO... PAYPAL DENIES MY CLAIM AND TURNS IT OVER THE THE CARD ISSUER! Giving discretion to the CC issuer is the kiss of death to your money! So I call PayPal, and a barely English speaking call-center person goes around and around with me, never helping or really trying to understand my debacle. Or even looking at the evidence I submitted. She just kept saying it "was out of their hands now". I was really blown away, and now believe this is SOP for PayPal because they stand to make money with the deny, deny, deny approach. Think about it, if they deny, they get a free $20 fee, and do not have to litigate any further. For them, you losing is a win-win for them. I am soooo frustrated. I cannot imagine if it had been a $500 item. I would be a hell of a lot more furious than I am now!
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