Credit Card Dispute to recover Paypal funds?

[Kelemvor]

Well, finally had some jackass try to screw me with Paypal.

Summary is I sent someone $10 for something and he never sent it and wont' issue a refund. Opened a complaint with Paypal and they said they sided with me but couldn't recover any funds.

I paid him via my Credit Card through PP so can I just file a dispute with my CC company against the charge? Not sure if then PP will do anything to take the money back from me or what.

I know it's only $10 but I'd still like it back. 🙂

 

[Injury]

Call your CC company and request their advice.

Do you have a bank account linked to paypal, or just a CC?

 

[SunnyD]

You file a credit card dispute, expect to get your paycrap account closed. Paycrap will hate you for the rest of time (if you read their ToS I believe that they stipulate that you will not do any form of chargeback against them through the credit card companies and instead agree to their dispute resolution policy).

There's a reason I prefer Google Checkout or Money Orders.

 

[PokerGuy]

You can do a chargeback, but there's a decent chance paypal will send (even such a small amount) to collections and mess up your credit.

Consider it a $10 lesson not to ever use Paypal, it's a scam engine.

 

[Vette73]

Originally posted by: PokerGuy
You can do a chargeback, but there's a decent chance paypal will send (even such a small amount) to collections and mess up your credit.

Consider it a $10 lesson not to ever use Paypal, it's a scam engine.

He then files a complaint against Paypay and has the information removed from his Credit reports. You can;t just add something for no reason. Paypal already admitted he was right.


But yea do a chargeback now as there is a time limit.

 

[tmc]

shouldn't paypal go after the seller (scammer) and screw up his credit instead - in this case?

why should they go after the OP?

 

[Kelemvor]

I do have a bank account tied to my PP account and I already thought they might just decide to debit me back for the $10 so I figured I'd have to remove that from PP first.

I tried to contact the person one last time so we'll see if he finally decides to respond.

 

[PokerGuy]

Originally posted by: Marlin1975

Originally posted by: PokerGuy
You can do a chargeback, but there's a decent chance paypal will send (even such a small amount) to collections and mess up your credit.

Consider it a $10 lesson not to ever use Paypal, it's a scam engine.

He then files a complaint against Paypay and has the information removed from his Credit reports. You can;t just add something for no reason. Paypal already admitted he was right.


But yea do a chargeback now as there is a time limit.

No. The agreement with paypal says that you won't do chargebacks. If you do, they can come after you for the amount. Just because he was 'right' doesn't mean anything since paypal can't recover the funds for him (apparently). Paypal is not going to eat that cost, they want you to, so they'll come after you for it.

 

[Vette73]

Originally posted by: PokerGuy

Originally posted by: Marlin1975

Originally posted by: PokerGuy
You can do a chargeback, but there's a decent chance paypal will send (even such a small amount) to collections and mess up your credit.

Consider it a $10 lesson not to ever use Paypal, it's a scam engine.

He then files a complaint against Paypay and has the information removed from his Credit reports. You can;t just add something for no reason. Paypal already admitted he was right.


But yea do a chargeback now as there is a time limit.

No. The agreement with paypal says that you won't do chargebacks. If you do, they can come after you for the amount. Just because he was 'right' doesn't mean anything since paypal can't recover the funds for him (apparently). Paypal is not going to eat that cost, they want you to, so they'll come after you for it.

I don;t care if it said they get to cut off his finger if he e-mails them more then once a year. AGREEMENTS/EULA's can not break and/or go around the law.
He has a legal right to do a chargeback. Now if paypal wants to set something up with CC's then that is another story, even though that would aos break the law I am sure in some fashion.

 

[SunnyD]

Originally posted by: Marlin1975

Originally posted by: PokerGuy

Originally posted by: Marlin1975

Originally posted by: PokerGuy
You can do a chargeback, but there's a decent chance paypal will send (even such a small amount) to collections and mess up your credit.

Consider it a $10 lesson not to ever use Paypal, it's a scam engine.

He then files a complaint against Paypay and has the information removed from his Credit reports. You can;t just add something for no reason. Paypal already admitted he was right.


But yea do a chargeback now as there is a time limit.

No. The agreement with paypal says that you won't do chargebacks. If you do, they can come after you for the amount. Just because he was 'right' doesn't mean anything since paypal can't recover the funds for him (apparently). Paypal is not going to eat that cost, they want you to, so they'll come after you for it.

I don;t care if it said they get to cut off his finger if he e-mails them more then once a year. AGREEMENTS/EULA's can not break and/or go around the law.
He has a legal right to do a chargeback. Now if paypal wants to set something up with CC's then that is another story, even though that would aos break the law I am sure in some fashion.

Again, beside the point here. Both of you are right. Legally, Paycrap doesn't have a leg to stand on. Legally, they can not take money from your accounts without your consent. However, the implied consent is your accepting terms of service for using Paycrap. Gray area here, but you can easily argue that you must physically give consent every time they want to dip into your account. They argue you accepted the ToS so you're screwed. ToS also probably says "binding arbitration", which in essence screws you too. Anyhow, it's a long legal fight over $10. Paycrap has done everything it can over the last several years to skirt around laws that traditionally protect consumers - after all, they act like a bank but are not federally regulated as one, yeah, that's right - they fought tooth and nail to stay unregulated too!

So, with that said, you can do a chargeback. Expect Paycrap's knee-jerk reaction to close your account. Paycrap hates chargebacks with a passion, because you're taking money out of their wallet and then they also have to pay fees on top of it.

If you value your Paycrap account too much, suck it up, lesson learned. If not, stick it to 'em.

 

[Jessica69]

Been there, done that, OP. But it was for a much larger sum of money. Did the chargeback and got my $$ refunded to my CC via the CC company. Naturally, Paypal froze my account, but I'd emptied it before instituting the CC chargeback. Paypal did NOT go into the bank account that was linked to the PP account.....they absolutely cannot do that without your authorization for each instance. So, in essence, PP closed the account because they had to suck up quite a bit of $$.....got what was mine returned back to me.

And, amazingly, you can open another PP account after the dust settles.....using a different email addy and CC.

Now, for $10, it's your call if it's worth the hassle that will ensue....for >$100, it was.

 

[OdiN]

Originally posted by: tmc
shouldn't paypal go after the seller (scammer) and screw up his credit instead - in this case?

why should they go after the OP?

woah woah woah....stop being logical here.

 

[God Mode]

If you want full protection buy from legit retailers that accept credit cards. Every transaction with paypal is a risk not very different from those escrow scams.