Question by YupChubby: Anyone have any bad experience with PayPal ever?
Someone hacked their system and charged my credit card $ 1200.They refused to refund me the stolen moneys even though they caim protection against any fraud, Big Lie!Forgot to mention, my credit card institution refused to refund me any moneies saying it was Paypal obligation since they already claimed proclaimed Insurance protection.
Best answer:
Answer by mister_pisces
First question: Yes I have had many many problems with paypal. One being that when I use American Express I am not permitted to dispute any charges when someone does not fulfill their side of the contract. American Express says Paypal is the intermediary and they did everything they were supposed to. The person who didn’t was the seller, but the seller was not the person with the merchant account. I am sometimes able to do a paypal buyer protection claim, but only if the seller has 98% positive feedback and atleast 50 feedback (I think). Even if the purchase is eligible for the buyer protection, paypal will not refund the money, unless the seller has the money in their account. For example, If you send me $ 1000 via paypal for an ebay item, and I withdraw the money from paypal, you will not be able to do a buyer protection claim since the $ 1000 is no longer sitting in my account. Paypal will attempt to withdraw the money from my checking account, but if they are unsuccessful then you will be unsuccessful as well in trying to get your money back. Second question: You should be able to dispute the charges (even if you used American Express) because you never authorized the $ 1200. The only time you will have a problem disputing charges, is when you authorized the charge, but the seller sent you a rock or nothing, or a fake item, etc..Visa and Mastercard don’t seem to care that disputing charges is a violation of the TOS. So if you must use paypal, stick with them only. Never pay anyone with American Express. Never pay anyone with funding from your checking account (that is worse than AMEX), and most of all NEVER EVER EVER pay someone with paypal balance. That is the absolute worst of them all.. Don’t do it.Edit: If your credit card company won’t refund the money, then it is time for you to get a new credit card.. If they won’t refund the money now they also won’t refund the money if the card is stolen, etc.
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