I know this has happened to a lot of other people. I sold an item on eBay. The buyer paid with Paypal, got the item, sent me an email and positive feedback as proof he had gotten it.
I withdrew the funds to my bank account. Paypal then informs me that there was 'a problem' (unspecified, so there was no way for me to contest it) with the buyer's funds, so they needed all the info they could get about the transaction, including proof of shipping.
I provided this, and the next day Paypal sends me a letter saying that it wasn't enough to reverse the temporary reversal of the funds in my Paypal account (now negative) and that it was to become permanent.
No way to contest this, no way to file a complaint or fight it... Now Paypal is threatening to send a collection agency after me, ME, instead of the thief, who defrauded 14 other people. The proof was all there, clear as crystal, as to what happened.
I talked to a rep on the phone, and he told me straight out that with the scammers, it was too difficult to collect since they were dishonest. It was just easier to collect from the seller, since they already had access to my bank account.
So basically they were just being lazy, because who did I think was going to cover the debt, THEM?
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