12 Paypal chargeback policies are unfair. MERRY CHRISTMAS! We USED Paypal to process our merchant account, have an automotive shop, customer came in had $6100.00 worth of rebuild and upgrades done to vehicle, paid in two installments via paypal.
We have signed work orders authorizing work and charges. Not only did customer file a chargeback (almost three months after paying and two after getting his truck back) paypal gave him his money back, eventhough per the notes they made on our account in the "resolution center" the buyer didn't respond after we sent the correspondence to them, the customer closed an account he wrote a check to us on as well.
Our business is now halted, paypal has kept whatever money was in our account at the time the freeze took place, I cannot get a new bank account, have been turned into the chexsystem, and this customer is being assisted with ripping us off. Since when did signed work orders and authorization not be enough to get paid for a job? How in the world was paypal protecting the Seller (us) and fighting for "us" with this chargeback when we didnt even have a chance? I have re-read Paypals so called protection policy and advertised promises posted on their webiste several times, and not one single time have they stood up to what they advertise, NOT ONCE!
Had this gone to the BAR (Bearau of Automotive Repair), we would win the $6100 plus restitution, plus he would be humiliated like he should for ripping us off. But through Paypals Seller protection program? We didn't "qualify" due to whatever.
I have asked Paypal several times exactly why were the payments reversed? What exactly did the customer say in his complaint, what was the reason? And why did they "complete their investigation" when they never heard back from the buyer after the initial complaint, and after we contacted them 3-4 times? No direct answers at all to any of these questions, just generic letters/emails keep being sent, and Paypal keeps trying to access our bank account to take the funds without proof to us it is justified.
Paypal has ruled on the "case" by giving the customer the money back in the first place, GUILTY UNTIL PAYPAL DECIDES TO CHANGE THEIR MIND OR???
The customer's "card issuer" happens to be Wells Fargo Bank. If none of you know, Wells Fargo is the processor for Paypals credit card transactions, Paypal is not a bank and does not control the merchant and/or credit card transactions. This information is public record and can be found via internet, do a search for "paypal wells fargo" and you will come up with the agreement.
Why is this important in our case? Our customer is an employee of Wells Fargo Bank in Escondido California and was able to have direct access to pull his money out immediately. He did not follow proper procedures as described in the online credit dispute policy www.wellsfargo.com. Not only that, as a bank, and representing a bank, the "bank" relayed to Paypal the charges were not be reversed and so it stood. Paypal never noted any response from the "buyer" after the initial "complaint" was filed, EVER, on our "resolution" page, nor did they intend to I suppose due to the "relationship" the two have. Our customer was able to capatilize on that, and give himself a $6100.00 Christmas bonus.
Paypal needs to recognize the person who is disputing this works for the very bank and has handled this transaction himself or had his manager handle it, that paypal uses to process there credit cards!!!
Just because a customer files a chargeback doesn't make him right, and you giving him my money is fraudulant.
It gets better:
Our Paypal account is frozen, whatever money was in there at the time is now theirs due to fees they have charged for various reason, and we now "owe" Paypal more than our customer paid us.
We cannot delete our bank account (2) information from Paypal to protect ourselves, Paypal has frozen that capability.
We cannot delete our email addresses either to force them to actually communicate with us in writing, Paypal froze that too.
We cannot open any new bank accounts anywhere, we were turned into the chexsystem for "oweing" this money.
We cannot keep a balance in our personal/business checking accounts at any time close to any amount Paypal could pull out, this is greatly inhibiting our personal budgeting and business financial operations.
We cannot process credit cards anymore through Paypal and must pay for an alternate service in order to keep our business customer payment options flowing.
One of the affected parties is a Realtor, and her license could be suspended and/or revoked for this, as per the cs rep of Wells Fargo on 12/5/06, the customer claimed "fraud" as the reason for reversing the charges.
The bank "managers" of Wells Fargo have said there is nothing they can do about this, and one had the balls to say the customer did this on his own personal time so he couldn't do anything. From one excuse to another. So, banks just let customers access their own accounts to input information 24/7?
No one seems to recognize the magnitude of what this has done to our personal and business lives. The stress between husband and wife, and just operating daily. We just keep getting told go to small claims. We are over $7500 in total damages, ligitimately, so we will have to take a bite just to get most of our money back. Either way, this guy is WORKING FOR A BANK?
How can this NOT be criminal?
Tammy
Lakeside, California
U.S.A.
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