How PayPal failed me

IN RESPONSE TO BBB CASE#: 299597 AGAINST PAYPAL
FACTUAL BACKGROUND:
YOU, PAYPAL STATE THAT YOU AND MY BANK WERE UNABLE TO STOP UNAUTHORIZED PAYMENT OF FUNDS FROM MY BANK ACCOUNT AND TRANSFERED TO PAYPAL/EBAY. ORIGINATED UNAUTHORIZED PAYMENTS CAME FROM PAYPAL, NOT MY BANK. AFTER NOTIFICATION OF THESE UNAUTHORIZED CHARGES YOU WERE STILL TRYING TO PUT THROUGH PAYMENTS TO MY BANK. I UNDERSTAND THE ORIGINAL CHARGE COULD NOT BE STOPPED AND THAT PROCESS WAS NOT QUESTIONED. WITH THAT BEING SAID YOU ALSO SAY THAT “WHEN A CLAIM IS FILED FOR UNAUTHORIZED PAYMENT, WE PLACE THE FUNDS ON HOLD.” THIS STATEMENT IS QUESTIONABLE AS PAYPAL WAS REPEATEDLY TRYING TO PUT THROUGH THESE CHARGES KNOWING THEY WERE UNAUTHORIZED AND AT THAT POINT WERE ILLEGAL TRANSACTIONS. YOUR INTENT, IN MY OPION WAS TO CHARGE EITHER MYSELF OR THE BANK SO YOU WERE NOT LEFT WITH THE DEBT. NOT ONLY DID YOU NOT QUALIFY THE PURCHASES BUT AS SHOWN IN MY ORIGINAL LETTER AND PHONE CALLS YOUR TOUTED SECURITY SYSTEM DID NOT FLAG THE VERY QUESTIONABLE CHARGES. DETAILS SHOWN ON ORIGINAL LETTER.

YOU STATE IN YOUR RESPONSE THAT YOU PLACE THE FUNDS ON HOLD. YOU DID NOT DO THAT AND UP TO ALMOST 2 WEEKS LATER YOU WERE TRYING TO PUSH THE PAYMENTS AGAINST MY BANK ACCOUNT THROUGH. YOU SAY THAT YOU ARE GLAD I WAS “ABLE TO RECOVER THE FEES MY BANK CHARGED ME”. THE BANK “ATE” THE CHARGES AND TOOK THEM OFF OF MY ACCOUNT. YOU NEVER TOOK RESPONSIBLILITY OR STEPPED UP AND TRY TO HELP. I WENT ALL THIS TIME WITHOUT MONEY.

AS FAR AS OWING YOU $90.33 IF YOU GO BACK AND CHECK YOUR PHONE RECORDS YOU WILL SEE THAT YOU, PAYPAL TOOK OUT THE $90.33 – PER YOUR SECURITY SPECIALIST – FROM THE ORIGINAL $992.00. YOU ALSO STATE THAT YOU REFUNDED THE MONEY TO MY ACCOUNT. YOU DID NOT REFUND THE MONEY. MY BANK REFUNDED THE MONEY TO MY ACCOUNT. I HAD TO FREEZE MY ACCOUNT, AS YOU PUT IT, TO PROTECT MYSELF AGAINST YOU. PAYPAL WAS STILL TRYING TO PUT THE ILLEGAL CHARGES THROUGH UP TO TWO WEEKS LATER.

YOU ALSO SEEM TO FORGET THE MONEY LOST FROM SWITCHING FROM THE OLD CHECKING ACCOUNT TO THE NEW ONE INCLUDING COST OF CHECKS AND DESTROYING ALL THE CHECKS FROM MY OLD ACCOUNT. LET ALONE THE TIME AND FRUSTRATION YOUR COMPANY HAS CAUSED.

YOU STATE THAT “I” “ATTEMPTED TO WITHDRAWAL FUNDS IN THE AMOUNT OF $901.67″ AS YOU WELL KNOW THESE UNAUTHORIZED CHARGES CAME FROM AN OUT OF COUNTRY ACCOUNT WE’LL NAME WONG. I “NAME” THE ACCOUNT “WONG” AS THAT’S THE PERSON WHO INITIATED THE UNAUTHORIZED CHARGES.

YOU SPOUT OFF YOUR “USERS AGREEMENT SECTION 3.5 BANK TRANSFERS

“FOR ANY TRANSACTION THAT YOU USE YOUR BANK ACCOUNT AS YOUR PAYMENT METHOD, OR WHEN YOU INITIATE AN ADD FUNDS TRANSACTION, YOU ARE REQUESTING AN ELECTRONIC TRANSFER FROM YOUR BANK ACCOUNT.”. JUST ONE PROBLEM, I DID NOT INITIATE THIS TRANSACTION. I DIDN’T AUTHORIZE THIS TRANSACTION.

PAYPAL, SINCE I HAD TO PUT UP WITH YOUR CONDESENDING ATTITUDE THROUGHOUT YOUR RESPONSE I’M GOING TO PUT IN MY PERSONAL OPIONION AND RESPONSE.

PAYPAL, YOU AND EBAY ARE RUNNING A MONOPOLY. EBAY REQUIRES YOU TO USE PAYPAL FOR PAYMENT. YOU ONLY EXIST BECAUSE EBAY WANTED THE MONEY AND CONTROL. AS YOU STATED IN YOUR RESPONSE TO BBB I WAS A CUSTOMER SINCE 2008. DID YOU BOTHER TO CHECK MY RATINGS? YOU SHOULD HAVE. 5 STARS THE WHOLE WAY. EVERY TRANSACTION. YOU LOST A LOYAL AND PERFECT CUSTOMER. HOW MANY OF THOSE DO YOU GET? IS THIS HOW YOU TREAT ALL YOUR CLIENTS? YOU CAN TAKE YOUR RESPONSE AND WORDS AND RUN THIS AROUND AS LONG AS YOU LIKE. YOU, PAYPAL, TRY TO WEAR PEOPLE DOWN AND HOPE THEY GIVE UP. WHAT? BECAUSE YOU’RE A BIG COMPANY? NO WONDER YOU HAVE SUCH ADMIRERS ON THE WEB SUCH AS “SCREWPAYPAL.COM”, “PAYPALSUCKS.COM” AND OTHERS. UNFORTUNATLY I FOUND THE WEBSITE AFTER THIS HAPPENED TO ME. FOR ME IT WASN’T THAT A MISTAKE HAPPENED. IT WAS HOW YOU, PAYPAL WORKED IT OUT AND/OR TRIED TO RESOLVE IT. YOU FAILED.

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Posted: October 9, 2012 at 6:46 pm