- Guest Menu
-
- » Home
- » Login
- » Register
- » Forums
- » Scion tC Rides
- Scion News
-
-
- on Nov 15, 2008
-
- on Jul 26, 2008
-
- on Jun 17, 2008
-
- on Jun 11, 2008
-
- on Jun 08, 2008
-
- Scion Generation
-
- Scion tC Parts
- Aftermarket Scion tC speed shop carries Scion tC exhaust, Scion tC intakes and more Scion tC parts at ScionGeneration.com
- Club Scion tC Decals
- Viewing Thread
-
Home
> Marketplace
> Sale/Trade/Wanted
> How to beat Paypal in a dispute READ THIS!
How to beat Paypal in a dispute READ THIS!
Pages: 1 2 >>
Related threads: ( Click here to view ) Thread Topic Replies Views Author Last Poster Before you go buying an intake....READ THIS...Debunking the K&N Myth 9 150 07sctc SoCalRegulator @ Nov 17, 2008 I feel a little silly asking this-trd wheels 15 187 SammieD On3Sh0tBlaz3 @ Nov 16, 2008 How To Make a Signature (video) 8 65 Orin vastano1 @ Nov 16, 2008 GET OUT AND VOTE TOMORROW!!! ...This is NOT a voting pole so don't make it one! 13 143 Web SoCalRegulator @ Nov 04, 2008 "How to get a girl" 21 288 Noicsct skunk @ Nov 01, 2008
Pages: 1 2 >>FrAnkRYzzO
- $upervillain
for Hire
Sorry this is a little lengthy, but I was reading a thread on the "other site", and I'm just so tired of hearing about situations like this that I wanted to provide some information on how to protect yourself. This was my reply over there:
I used to work for MBNA/Bank of America in their credit card billing disputes area. We used to get so many horror stories about people filing disputes to paypal that were never resolved or sided against even though the customer was in the right. Here's some advice and information on paypal to help keep this from happening in the future:
When you set up your paypal account, even though you have to register a bank account to confirm your account there, don't use it as the funding source for your transactions. If you send the money from a savings or checking account, then the only recourse you have in a situation like this is to go through paypal's dispute process. Paypal's dispute process is absolutely worthless. They don't care about you.
If you fund a paypal transaction with a credit card, then you have the option of filing a credit card dispute based on the merchant agreement paypal agreed to when they decided to take that brand of credit card. Visa cards have the most disputing rights and the easiest requirements for filing them. (some people swear by AMEX, but its not true - they have more stringent regulations for disputes they actually file, it's just that they will typically write off a slightly higher amount then other companies rather then file an actual dispute)
When you fund a payal tranaction with a credit card, that little screen pops up and asks you if you're sure you want to use the card and tries to convince you to switch to your bank account. Paypal does this for 2 reason: The first is that they have to pay interchange to the credit card company for every tranaction they do using that payment method. The second, is that in the event of billing dispute filed through the credit card company, if you win, the money is taken back from paypal instead of the seller. Paypal doesn't like this, becuase then its up to them to recover their money from the seller, and they would rather make some halfa$$ed excuse about how they couldn't reslove your issue (at no cost to them).
In the event of a deposit, you MUST have IN WRITING that the deposit is refundable upon request or cancellation of order. An email record is sufficient, its just that you may have to produce it if paypal tries to fight the dispute.
You do have rights in situations like this, its just that most people don't know them, and paypal makes it as hard as humanly possible to get any type of justice.
If any of you guys get in a situation with Paypal or another merchant, and want some assistance, feel free to PM me and I'll give whatever help I can provide. KNOW YOUR RIGHTS
...............
Search or one of these adorable kittens WILL DIE![#] Sep 14, 2007 10:40am Mayo
- The Guru
You wrote all this? This is great stuff! Nice work.
As far as I can remember we haven't had a large scam report, but as a precautionary tool Im going to sticky this.
-- stickied & moved to Sales/Trade/Wanted
"gonna wash my car before i take a nap.. can't rest well knowing i've got the entire cast of A Bug's Life on my bumper" - Vicious
-- Want to post a "For Sale" thread? Check out the rules first.[#] Sep 14, 2007 12:25pm FrAnkRYzzO
- $upervillain
for Hire
Yeah, I wrote it. I did credit card billing disputes for a couple years, and I've got a lot more then this, but I figured it'll be more of a request basis for individual situations rather then writing a book. It's crazy what some merchants try to get away with, but if they take a credit card, they're all under contract to accept the card companies dispute policy and won't have a leg to stand on if you follow proper procedure. Also, it's not dependent on what bank issues your credit card. Visa, MC, Amex, Discover all have their own dispute policies that are pretty similar but have subbtle differences.
Since this is stickied, feel free to ask questions about any situations you might be in and I'll do my best to advise you on the best way to get your money back. Most of the "tricks" are little technicalities you might not have thought about, and if one type of dispute doesn't apply or would be too difficult, you can sometimes get away with some creativity.
I'll also try to add info that will help in more common situations as I get the opportunity. Just an FYI: I have no experience w/ discover cards.
...............
Search or one of these adorable kittens WILL DIE![#] Sep 14, 2007 12:51pm fsu1dolfan
- Tech Advisor
Very nicely written for those that are not cautious.....i have used paypal for nearly 8 years and i have had only only problem to speak of.....i usually always used my credit card for exactly the reasons you state because just in case something goes wrong your credit card company will usually always back you. There was one time that i had to buy something from someone and they didnt accept credit cards....so i used my bank account via paypal....well the a-hole didnt send the merchandise and i had to dispute it....luckily paypal knew this guy was trying to screw people through ebay and suspended his account after 30 days my money came back to my paypal account!
Another time i tried to by a big ticket item from ebay $1K+ and i used my credit card....sure enough the guy screwed around but, this time i call my credit card company and in 2 days my funds were back....gotta love my CC company!
But over 8 years of paypal and ebay and other online vendors, those are the only 2 stories i got and both ended well....(knocks on wood)
Need an invite.....sign up and win free money...its a cool game!
http://www.moola.com:80/m...d544d744f4467324f54673d-2[#] Sep 14, 2007 01:31pm tC_vixen
Well written and very informative. I recently started using PAYPAL, but this is good to know. Thanks.
CLICK TO DONATE & HELP MAKE THIS WONDERFUL SITE OF OURS BETTER! [#] Sep 14, 2007 01:34pm flyingcesar 
- Scion Guru
That’s a great write up.
2008 G37 OB Sport 6MT...
2007 335I 4DR...
[#] Sep 14, 2007 01:37pm BearZ
- Scion Guru
wow, ive only had one dispute, which i lost, but it was only 5 bucks, so its ait. But thanks for the Write up, this is awesome!
Check out my Deviant-Art Gallery
[#] Sep 14, 2007 01:41pm RoulettetC
- Scion Guru
See what Maryland can produce, smart minds. It's just what we do. Good job on the write up Franky, I was just about to start using paypal so it helps me out a lot. Money concerns always make me so hesitant.
-Thanks for the sig Aciidsneaker
[#] Sep 14, 2007 01:58pm FrAnkRYzzO
- $upervillain
for Hire
Just to clarify, if you fund your paypal account with a credit card (ie: make your backup card as your primary funding account) then you have the same disute rights as if you paid the merchant directly with the card. The only differnece is that with paypal they are required to assume the merchant's liability since they are the ones that billed the card for the transaction.
Basically, if you have a card registered on paypal, when you go to send money, click on the "funding options" link under the recap of your banking info, and click the radio button next to your credit card and submit. Then the little screen pops up asking you if you really want to use a credit card, and how safe it is to pay with your bank account, and blah blah blah - just click continue.
If you don't have a credit card, and you're old enough to get one, then sign up for one. Please keep in mind that I'm not telling you go into debt! Only buy what you can pay for, and payoff the card each month. This will estblish a credit file, and if you handle it wisely, in a few years when you go to buy another car or a home or something that is financed, you'll notice how much lower of an interest rate you qualify for due to your strong credit.
Jacking my own thread, but just another FYI: If you plan on keeping a balance on a card, keep it under the halfway point to have essentially no negative impact on your credit, and don't go above 75% unless its an absolute emergency.
Back on track... I told you I could write a book on this one
...............
Search or one of these adorable kittens WILL DIE![#] Sep 14, 2007 02:02pm Kat08tc
- Tech Advisor
wow thanks for writing all that out
[#] Feb 23, 2008 07:30pm Dispatcher138
- Master Mechanic
I put in a dispute with paypal and within 4 days I had my money back from the person that didn't feel like sending me my item.
-Garrett H.
www.teamscionrg.com[#] Feb 25, 2008 01:57am L0st
- Vehicle Designer
so in conclusion it is ADVISED to use your credit card instead of your atm card correct, due to dispute policies..
Insert cool signature here_____
SL FTL
CSTC FTW[#] Mar 13, 2008 11:46am FrAnkRYzzO
- $upervillain
for Hire
^^Absolutely! If you fund the paypal transaction with your credit card, then you have the right to dispute the charge under the CC brand's established guidelines that Paypal agreed to when they signed up to accept the CC as a funding source. Because Paypal accepts the money for the transaction, they also accept the liablity for the transaction to be completed as described when the sales contract between you and the seller was agreed upon. You ATM card will not give you the same protection.
...............
Search or one of these adorable kittens WILL DIE![#] Mar 13, 2008 11:54am L0st
- Vehicle Designer
aww very good to know..and to think i used my atm card...that will change thanks alot..god-like adivsor lol
Insert cool signature here_____
SL FTL
CSTC FTW[#] Mar 13, 2008 12:09pm antiks
- Chief Mechanic
good right up bro, i use paypal alot. even tho i have a verified bank account on there i ALWAYS ALWAYS use my cc for every transation just cuz incase of situation ever arises. god forbid that something happens like that at least i know that if anything ever happens i can always dispute it with my cc company. but knock on wood i've had a flawless transation history so far haha.
[#] Mar 13, 2008 12:44pm FrAnkRYzzO
- $upervillain
for Hire
That's always the best method. A perfect example is the c/f hatch I recently purchased. The hatch had manufacturing defects in it and the seller seemed to be willing to work things out. We were corresponding back and forth, and he requested pics to provide the manufacturer, and things seemed to be progressing nicely towards resolution. It was awfully convenient that once the Paypal dispute period ran out, I never heard from him again. I let VISA know, and they returned my money within 10 days. Now the problem is between the seller and Paypal. 
...............
Search or one of these adorable kittens WILL DIE![#] Mar 13, 2008 12:50pm antiks
- Chief Mechanic
good to know. great job again on the info.
[#] Mar 13, 2008 12:53pm Orin
^agreed, we all know who to turn to for Payment Advice
[#] Mar 13, 2008 12:54pm Mayo
- The Guru
Bump, 
FrAnkRYzzO helped me every step of the way when I recently had a problem with someone through paypal. I got my money back today.
Thanks man!
"gonna wash my car before i take a nap.. can't rest well knowing i've got the entire cast of A Bug's Life on my bumper" - Vicious
-- Want to post a "For Sale" thread? Check out the rules first.[#] Apr 09, 2008 08:22pm VIP_tC08
- Godlike Advisor
Very informative, and believe me i have had my issues with paypal, this will be great to have handy
'08 // Flint Mica // tC[#] Apr 09, 2008 09:05pm COOLHIGH
- Chief Mechanic
Very useful information, thank you.
[#] Apr 25, 2008 02:55am Crash
- Godlike Advisor
I guess Ive been lucky enough to have no issues with paypal or ebay. Now I am better prepared to deal with a problem in case one comes up in the future.
The SEARCH feature on the site works, I promise. USE IT!!!
"I almost numchucked you, you dont even reallise!!" -Will Ferrell-[#] Apr 25, 2008 02:56am VIP_tC08
- Godlike Advisor
Don't mean to thread jack, but just wanted to tell you guys of a recent issuie i had with paypay..i basically just used them every once in a while for those merchants that only accept paypal as a form of payment, well one day i reviewed my bank state ment and discovered over $4500 in instant transferes taken out by paypal, the excuse i was given was that my account was linked to another account in california, which all personal info. was totally different to mine, they told me i first had to resolve the issues with the other account, because it had a negative balance still, i told them how could i, i dont know anything about it..well i finally ended up going into my branch, filing a dispute..my account was closed, i was issued a new checking and checkcard account number, and within a few days recieved full credit adjustment...so inconclusion paypay will no way in hell ever get my financial information again
'08 // Flint Mica // tC[#] Apr 25, 2008 07:40am FrAnkRYzzO
- $upervillain
for Hire
Dude, that sucks! I'm glad to hear that your bank took care of it for you. Many banks would never have fought for you. Just another testimonial to prove that paypal is the anti-christ! 
Know your rights!!!
...............
Search or one of these adorable kittens WILL DIE![#] Apr 25, 2008 08:26am armygirl718
- Godlike Advisor
tcwhip makes me wonder if thats how my account info got stolen. b/c they found out it was stolen around a week after i opened up my paypal account! :/ my account is still under investigation its been 3 weeks now :/
http://www.itsmyscion.com/armygirl718
http://www.myspace.com/navsegdamaskva[#] Apr 25, 2008 08:32am
TOP: Home > Marketplace > Sale/Trade/Wanted > How to beat Paypal in a dispute READ THIS!
- $upervillain
Administrator 
Audio Subject Matter Expert 
HID Subject Matter Expert 
LED Subject Matter Expert 
New User 
NOS Subject Matter Expert 
Photography Subject Matter Expert
©2008 Club Scion tC - Community for Scion tC enthusiasts.