PayPal lets users set up multiple unconfirmed accounts, then use those accounts to commit crimes against other account holders over and over, and it refuses to do anything about it.
They protect these accounts because the users file fraudulent disputes that give PayPal a reason to seize customer funds. That is all it is about: seizing customers' funds any way PayPal can.
An honest user who has gone through every verification process PayPal has, to verify they are who they say they are, will be treated like a villain if a phony PayPal account holder tries to swindle them. No amount of proof that a phony account holder is committing fraud against you is ever good enough for PayPal, but let that account holder make a claim against you and it is accepted by PayPal without question.
A buyer from China with several PayPal accounts keeps buying from me and filing PayPal disputes to get refunds. So far I am out well over $400. Each time this man files a dispute under a phony PayPal account, PayPal seizes my funds.
PayPal has reversed over $1,000 in transfers to my bank account after they were initiated, to seize funds because of the disputes. The last dispute left me with a negative PayPal balance, which their site and emails encourage you to fund. If you do not, they take all my customers' money that comes in to cover it, leaving me to fill orders and pay shipping out of my pocket.
I have called or faxed over 30 different PayPal phone numbers. Supervisors will tell me to fax them documentation to get my funds released, then give me a fake fax number, and when I call back they give me a different number. The fax numbers will not complete after the fax is sent, so you cannot print a record that your fax was received and completed.
Some supervisors will just outright lie to you. Calls to Michael Oldenburg and faxes to Ryan Downs stating that PayPal is violating the law are not returned.
The last purchase this buyer made shipped by registered mail, and he immediately filed an item not received dispute again (PayPal seized my money again), evidently hoping PayPal would review the case and be unable to prove delivery before his item was delivered to China. When that did not work, he immediately changed the dispute to item not as advertised as soon as he got it.
I got an email on this telling me I have 10 days to respond. I logged into my account, and a page came up saying "Site unavailable," so I could not do anything. 14 hours later I got an email from PayPal that makes no sense, telling me PayPal is in the process of investigating the claim, then saying their investigation is complete and as soon as this man provides documentation that he mailed the item back, he will be given a full refund AGAIN.
I must in every case prove delivery or PayPal will refuse to release my funds. This man, however, only needs to show PayPal he mailed my item back.
Despite eBay permanently suspending this user over these PayPal transactions, PayPal refuses to acknowledge any wrongdoing by this user. Despite his buying from me and filing the same disputes each time, PayPal does nothing to stop it.
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