paypal question

[RGold]

Buyers would be better protected using a credit card for all transactions instead of Paypal cash balances. When you use a credit card, you have the ability to dispute the charge if you file a case with Paypal and it is denied. The credit card companies will typically provide greater protection for buyers than Paypal can.

I never use my Paypal balance for baseball card purchases. Besides the extra protection, my credit cards all give cashback bonues. The only time I will use my cash balance is for Paypal gifts.

Although your situation does not involve eBay, you should be able to dispute the transactions within the rules stated in your Paypal user agreement.

Unfortunately, you won't have a credit card company to fall back on.

[milkit1]

Hi Ronald

That is a good idea. I will def. do that for future purchases

[Ksquared]

Originally Posted by RGold

Buyers would be better protected using a credit card for all transactions instead of Paypal cash balances. When you use a credit card, you have the ability to dispute the charge if you file a case with Paypal and it is denied. The credit card companies will typically provide greater protection for buyers than Paypal can.

I never use my Paypal balance for baseball card purchases. Besides the extra protection, my credit cards all give cashback bonues. The only time I will use my cash balance is for Paypal gifts.

Although your situation does not involve eBay, you should be able to dispute the transactions within the rules stated in your Paypal user agreement.

Unfortunately, you won't have a credit card company to fall back on.

You can dispute a charge whether it is your credit card or debit card. Guidelines for both are 60 days from the first bill it appears on. I think paypal gives you a longer timeline than that.

sorry - just saw you used your paypal balance instead of debit card

[kailes2872]

I had a very similar circumstance last month. Lots of conversation, then the payment is made, then radio silent. He sent a refund, I receive the cards the same day. I sent him another payment. The refund was then put through on two different occasions and he had insufficient funds. He was once again quiet.

I had paid by Visa linked to my paypal account. I tried to use friends and family, but for some reason, it would not do an instant transfer. As a result, it sent the amount (995) and charged me $28.37 for the transaction. I was bummed that I had to pay the extra $28.37.

When it became clear that the refund wasn't going through, I filed a claim with Paypal. I also filed a claim with Wells - letting them know that I filed a claim with Paypal. In the resolution form, I cited the transaction id's of the double payment and the refused refund. It took 5 days, but I received immediate credit. I think they reached out to the seller and somehow got a response and the payment sent back. They also refunded the $28.37 paypal charge.

Walls issued $4.48 cents as a refund immediately as they said that I was not liable for a balance during the dispute and they would have a response in 60 days. I had paid for it immediatley, so I never incurred interest charges - so it was a gift from Wells. They told me that it appeared that my case was open and shut. They would work with Paypal and be sure that I am refunded. If I did not get satisfaction from Paypal, they would refund it and then work on getting credited back from Paypal. I probably didn't need to contact them at the same time, but I was just going fro double the protection.

The refund came back to my Visa. Since it had a zero balance, it came back as a credit. I was quick to buy a few cards to spend it down - lest it be used for clothes, shoes, and other non-essentials (with my cards being the essential).

I learned a really good lesson. I don't use Paypal F&F unless it is someone who I trust on this board. There are some rotten people out there. Had I not been charged the fee by Paypal, I was probably out of luck - and that was what I tried to do.

[milkit1]

wow! well thanks for the tips on this. Im going to get to filing