topic Re: Disgusting PayPal behaviour. in Selling

Disgusting PayPal behaviour.

icollected — Sat, 22 Sep 2012 03:01:27 GMT

Charge back, haven't we heard all this before, $5.11. Waste of time.

I resopnded and "accepted liability for this transaction". Just it can close.

Then get whacked with the fraudulent chargeback amount of $5.11 PLUS a $15.00 fee.

What's disgusting is that you wouldn't know this fee was charged. Transaction history shows:

-$5.11 AUD

But when you click on it you see this:

Total amount:
-$5.11 AUDFee amount:
-$15.00 AUDNet amount:
-$20.11 AUD

SLY SLY SLY DIGUSTING move by PayPal. Sure, they might refund the $15.00 when I complain, but hiding the fact that they did charge $15.00 until you dig deep into the transaction is deceptive to say the LEAST.

If you're going to charge me $15.00 for doing nothing and assisting fraud through your system at least have the guts to show it in my history as

"-$20.11 AUD" because that's how much you ACTUALLY debited from my account.

Re: Disgusting PayPal behaviour.

flotsam-jetsom — Sat, 22 Sep 2012 08:40:24 GMT

Fraudulent charge back amount ? Sorry, can you explain in mire detail what actually happenned? Did you refuse to refund., or was a card used without owners permission, not even sure if there is a question here?

Re: Disgusting PayPal behaviour.

thecatspjs — Sat, 22 Sep 2012 10:23:13 GMT

icollected - don't know why other poster is questioning your post ?? it is clear to me and I would be very annoyed too X-(

Re: Disgusting PayPal behaviour.

icollected — Sat, 22 Sep 2012 10:34:02 GMT

I believe you're missing the crux here flotsam-jetsom.

There is no definitive way to know if the credit card used was stolen or if the buyer is just fraudulently claiming i.e. internet scamming aided via PayPal's system.

My point is that it was merely $5.11. So I thought, someone has sold their soul for cheap. (The person that stole the credit card OR the card owner fraudulently lying about the use of their card) does it matter either way?

I'm annoyed that my history shows, after I accepted liability for PayPal's failed security (evidenced by this chargeback), amount debited: -$5.11AUD

Yet when I click on the transaction for more details it shows -$5.11 Fee -$15.00 Net -$20.11AUD

So they've debited my account for $20.11 but only displayed $5.11. $20 is honestly nothing. But the way it was done by PayPal is deceptive deceitful to say the least.

Re: Disgusting PayPal behaviour.

the_great_she_elephant — Sat, 22 Sep 2012 11:24:45 GMT

Is the $15.00 charged by Paypal or by the credit card provider?

Re: Disgusting PayPal behaviour.

lyndal1838 — Sat, 22 Sep 2012 11:37:34 GMT

The $15 is a bank charge that paypal passes on to the seller.

If the buyer had lost the dispute then they would have had to pay it.

Re: Disgusting PayPal behaviour.

the_great_she_elephant — Sat, 22 Sep 2012 11:51:13 GMT

I thought so. Thanks Lyndal

Re: Disgusting PayPal behaviour.

punch*drunk — Sat, 22 Sep 2012 21:48:01 GMT

Not all banks charge fees for chargebacks. I have scoured the terms and conditions for my merchant account and there is no fee listed at all. I have had a chargeback on the merchant account and was definitely not charged any fee.

Re: Disgusting PayPal behaviour.

lyndal1838 — Sun, 23 Sep 2012 00:01:32 GMT

Punch, each time I have initiated a chargeback the bank has told me that there is a $15 fee. If the chargeback is successfully defended by paypal I would be liable for the fee. I have never lost a chargeback and I know that in two of the three cases the seller has been charged...because they abused me for costing them money.

It seems to me that it is a case of the loser pays the fee.

Re: Disgusting PayPal behaviour.

the_great_she_elephant — Sun, 23 Sep 2012 03:38:15 GMT

Not all banks charge fees for chargebacks. I have scoured the terms and conditions for my merchant account and there is no fee listed at all. I have had a chargeback on the merchant account and was definitely not charged any fee.

That's probably true, Punch, but in the context of this thread, if the seller has been hit with a charge it will have come from her bank not from Paypal.

Re: Disgusting PayPal behaviour.

bigbrickshop — Sun, 23 Sep 2012 05:24:23 GMT

The $15 charge has not come from the OP's bank, it is a PayPal charge.

Chargeback Fee

To cover the cost of processing chargebacks, PayPal assesses a $15.00 AUD fee to sellers for credit and debit card payment chargebacks.

Re: Disgusting PayPal behaviour.

punch*drunk — Sun, 23 Sep 2012 06:44:49 GMT

That's probably true, Punch, but in the context of this thread, if the seller has been hit with a charge it will have come from her bank not from Paypal.

Not true. Even if the bank did charge a fee, it would only be if the seller tried to fight the chargeback, which they didnt. Like sporty said, it clearly noted in their policy as a paypal charge.

Re: Disgusting PayPal behaviour.

the_great_she_elephant — Tue, 25 Sep 2012 07:13:28 GMT

Not true. Even if the bank did charge a fee, it would only be if the seller tried to fight the chargeback, which they didnt. Like sporty said, it clearly noted in their policy as a paypal charge.

I think, as Lyndal said, Paypal pass on the charge which comes from the bank.

Re: Disgusting PayPal behaviour.

flotsam-jetsom — Tue, 25 Sep 2012 09:47:07 GMT

Sorry OP, was not meaning to make light of the problem, did not pick it up as quickly as the others.

With age - comes experience (and confusion!!) lol

Re: Disgusting PayPal behaviour., Re: Disgusting PayPal behaviour.

punch*drunk — Tue, 25 Sep 2012 22:14:15 GMT

I think, as Lyndal said, Paypal pass on the charge which comes from the bank.

There is no charge from the bank for NOT fighting a chargeback.

Re: Disgusting PayPal behaviour., Re: Disgusting PayPal behaviour.

cq_tech — Wed, 26 Sep 2012 00:57:25 GMT

There is no charge from the bank for NOT fighting a chargeback.

Spoke to the CBA this morning and was told exactly the same thing. 😞

Re: Disgusting PayPal behaviour., Re: Disgusting PayPal behaviour.

lyndal1838 — Wed, 26 Sep 2012 01:09:16 GMT

All I know is that in each of the 3 chargebacks that I initiated my bank warned me that if the chargeback was unsuccessful I would have to pay $15.

I was successful in all cases and in at least two of the cases the sellers did have to pay the $15....they both abused me for costing them extra money. I would assume that they tried to defend the chargeback if paypal passed on the $15 charge.

I am not arguing with anyone...just telling you what happened in my case.

Re: Disgusting PayPal behaviour.

fixnwear — Sun, 30 Sep 2012 08:05:25 GMT

What I can't figure out is why buyers initiate chargebacks.

If it's beyond the 45 day PayPal claim limit then how stupid must the buyer be to have let a claim wait that long. It seems that most chargebacks must be initiated by the dishonest.

Am I missing something ?

I have never had a chargeback on any of my sales. Maybe my items are only purchased by honest & intelligent folk.

Re: Disgusting PayPal behaviour.

lyndal1838 — Mon, 01 Oct 2012 03:21:59 GMT

Fixwear, there are many reasons for chargebacks. One of the most common is that the paypal dispute timeframe has expired with the buyer getting no satisfaction.

In one of my cases a plate arrived broken. As it was registered I took it to the PO for inspection and lodged a claim. After nearly 6 weeks the PO rejected the claim. I was just within the paypal claim time so when the seller declined to refund I opened the dispute. After 39 days paypal was still fiddling around and no amount of phoning them got any action. So I started a chargeback through my bank.

No sooner had I done so than paypal decided in my favour and instructed me to return the broken plate. I was also instructed by my bank to return it. I did so but did not send the tracking details to paypal so they closed the dispute and it continued via my bank. I eventually got my refund nearly 6 months after I paid for the item.