Moderator! Please allow this as I think it concerns everyone account that has been suspended by exchangepath especially if you are a victim like me.
About two months ago, I signed up Exchangepath when I heard that Paypal is starting to set a limit on personal account. Also, enticing by their $10 signup BONUS, I went ahead and switched to Exchangepath. Of course, I did not read their member agreement that carefully at that time. Then, just over a month ago, a guy in Russia contacted me saying that he is interested in purchasing several items from me as he saw me selling them at E-bay. He also said that he has a cousin in NY that will be paying for the items and he will be using Exchangepath. Being new to Exchangepath and also thought that his cousin is in US, I went ahead and do this deal.
He paid it on 11/21/00 via Exchangepath with 5 payments total up $811, and Exchangepath cleared those transactions. Then I proceed to ship the items out to him on 11/22/00. At that time, I also sold several other items and my account has a total amount of over $1000. On 11/27/00, they suspended my account. Of course, I do not know the reason and the only contact that I can find on their web site is the email. I email them repeatedly and all I got is one email reply stating that I am being suspended for account irregularity and they are investigating it. Then, I said it is fine. I will let them have some time to investigate. However, that is a bad move. I repeatedly email them over the next 3 weeks with over 10 emails but all I got is non-response. I then went on to search for a telephone number where I can call them. However, I cannot find their phone number whatsoever through their web site. (Later, someone in Anandtech forum said that I have to login to see the phone number but my account was suspended. I cannot login)
Finally, about a week ago, I saw a post on Anandtech forum regarding account suspension problem and some reader there was good enough to post their phone number. I called them and a rep got back to me on the next day. The rep. (a she) told me that they need a proof of shipping receipt to this guy. Being that it is over 3 weeks, and just so happen that my wife is clearing out the bill and she has thrown away those shipping receipts. I told the rep that I do not have the receipt. All I have is a tracking number and the address where I shipped it. But, as soon as I told her that the items were shipped to Russia, she told me that Exchangepath would not cover oversea transaction and proceed to let me know that this guy uses a fraudulent credit card. She also said that they have to take those $811 out of my account! I am furious! I told her that I will sue them and she said, "No, you cannot sue us. We specifically state that you cannot ship the item outside of United States in our agreement. When you click on I agreed, you agreed to those term and condition."
I told her that why you waited over 3 weeks to tell me this. If you call me right away when you discovered the problem, I would still have the receipt. Later, she told me that she would talk to her supervisor and get back to me. Now, it has been over one week and NO, NADA. They have not get back to me.
I am really mad because I am bearing the lost due to their security loophole for letting fraudulent credit card to signup. Furthermore, they did not contact me at all when they discovered the problem until I called. Of course, I blame myself for not reading their member agreement carefully. However, I spend several hours last week, just to read their Member Agreement and all they have is this line: "You agree that you will not effect a transaction from an IP, web host, or e-mail address originating outside of the United States or with a non-U.S. credit card." Where does it say that I cannot ship the goods outside US? All this time, I thought I am dealing with a US transaction as his cousin in United States is paying for the items. All I know is that the payments are cleared by Exchangepath and I am good to ship out the items. How can I know that the guy is a fraud?
Folks, I do not know what can I do now. This is the first time I got scam this way! (Money is paid then taken back!) If I hired a lawyer, it would cost more money, frustration and time. Of course, I wish to catch this guy who scam me.
All help appreciate!
mhfun@juno.com
About two months ago, I signed up Exchangepath when I heard that Paypal is starting to set a limit on personal account. Also, enticing by their $10 signup BONUS, I went ahead and switched to Exchangepath. Of course, I did not read their member agreement that carefully at that time. Then, just over a month ago, a guy in Russia contacted me saying that he is interested in purchasing several items from me as he saw me selling them at E-bay. He also said that he has a cousin in NY that will be paying for the items and he will be using Exchangepath. Being new to Exchangepath and also thought that his cousin is in US, I went ahead and do this deal.
He paid it on 11/21/00 via Exchangepath with 5 payments total up $811, and Exchangepath cleared those transactions. Then I proceed to ship the items out to him on 11/22/00. At that time, I also sold several other items and my account has a total amount of over $1000. On 11/27/00, they suspended my account. Of course, I do not know the reason and the only contact that I can find on their web site is the email. I email them repeatedly and all I got is one email reply stating that I am being suspended for account irregularity and they are investigating it. Then, I said it is fine. I will let them have some time to investigate. However, that is a bad move. I repeatedly email them over the next 3 weeks with over 10 emails but all I got is non-response. I then went on to search for a telephone number where I can call them. However, I cannot find their phone number whatsoever through their web site. (Later, someone in Anandtech forum said that I have to login to see the phone number but my account was suspended. I cannot login)
Finally, about a week ago, I saw a post on Anandtech forum regarding account suspension problem and some reader there was good enough to post their phone number. I called them and a rep got back to me on the next day. The rep. (a she) told me that they need a proof of shipping receipt to this guy. Being that it is over 3 weeks, and just so happen that my wife is clearing out the bill and she has thrown away those shipping receipts. I told the rep that I do not have the receipt. All I have is a tracking number and the address where I shipped it. But, as soon as I told her that the items were shipped to Russia, she told me that Exchangepath would not cover oversea transaction and proceed to let me know that this guy uses a fraudulent credit card. She also said that they have to take those $811 out of my account! I am furious! I told her that I will sue them and she said, "No, you cannot sue us. We specifically state that you cannot ship the item outside of United States in our agreement. When you click on I agreed, you agreed to those term and condition."
I told her that why you waited over 3 weeks to tell me this. If you call me right away when you discovered the problem, I would still have the receipt. Later, she told me that she would talk to her supervisor and get back to me. Now, it has been over one week and NO, NADA. They have not get back to me.
I am really mad because I am bearing the lost due to their security loophole for letting fraudulent credit card to signup. Furthermore, they did not contact me at all when they discovered the problem until I called. Of course, I blame myself for not reading their member agreement carefully. However, I spend several hours last week, just to read their Member Agreement and all they have is this line: "You agree that you will not effect a transaction from an IP, web host, or e-mail address originating outside of the United States or with a non-U.S. credit card." Where does it say that I cannot ship the goods outside US? All this time, I thought I am dealing with a US transaction as his cousin in United States is paying for the items. All I know is that the payments are cleared by Exchangepath and I am good to ship out the items. How can I know that the guy is a fraud?
Folks, I do not know what can I do now. This is the first time I got scam this way! (Money is paid then taken back!) If I hired a lawyer, it would cost more money, frustration and time. Of course, I wish to catch this guy who scam me.
All help appreciate!
mhfun@juno.com