Topic: Paypal Help needed !!! (Read 1379 times)

I'll later get into the legal stuff right now iam just awaiting for their response hopefully they will give me a call as promised  and yeah exactly that's why iam so pissed just cuz a stupid customer and a small charge back of 75$ how the fuck can they freeze 2200$ anyways its paypal so they can do anything they want i guess 


I don't why still most of the people specially senior citizens prefer paypal 

Yeah man i should stay positive about the money getting in my bank anyways there will be no next account with paypal iam over done now !!

We should have sued long ago.

Time for a class-action lawsuit?


They should freeze $100 at the most, not the whole amount.

Never! NEVER! NeVeR!
Never keep money in online accounts! Doesn't matter where! Do not trust anyone with your money!
Why didn't you withdrew every 100$ or 200$?
With your next account just withdrew the money every time you have the opportunity!
Hope you can get your money back!

Alright, i opened the paypal account last year because me and my friends started giving "SERVICES"  like social boosts, web designing,logo/graphics designing and computer support but computer support being available for USA only. Everything was running ok until the last  customer we traded with chargebacked. She paid with her credit card in my paypal but was happy and satisfied with our services. Few days later i got my account freezed when check i found that it was her who charged back when i called her asking about the reason she simply said "iam sorry iam quite old to remember things i completely forgot that i paid the 75$ to you guys and unknowingly i charged back "  so that was her the customer. so i called up paypal support and they said she chargedback from her bank stating it was an unauthorized transaction she didn't know about i guess the lady was smart enough  and they said i'll be able to withdraw my funds after 180 days of hold period.( they didn't know that iam related to bitcoins ) and now the problem is iam  won't be able to open up a new account using my identity again (who gives a fuck to it anyways) but iam still unable to take out my money from paypal and its already been 6.5 moths now i wonder why cuz my account is still limited but its  still showing the balance of 2200$. I called them up 2 days back they said their manager will call me back in a while they also said my 'ticket' is open but still haven't  got any response from them lately. That's all about it and iam really pissed with paypal i still don't know much about paypal as it was my first account and i won't be going on paypal once the matter is sorted. Thanks everyone for your replies and suggestions i really appreciate it specially you  LostDutchman a got pretty much info now.

E.exchanger: For a 75$ dispute they locked your account with $2200?
Did you or anyone mention Bitcoin, or do they have any reason to know you deal with BTC?  

Obviously we need more details of your story before anyone here can actually help

More information the better, including your previous communications with Paypal staff, but please remove any personal information before you send

You can post directly here if you don't mind, so that other people may help you too

What did paypal tell you?

If you got chargedbacked for 75 usd/eur you might loose it but be able to withdraw the rest of the money.

"MY PAYPAL MANIFESTO: WHY PAYPAL SHOULD NEVER BE USED FOR CRYPTO!

OK, I'm not going to tell you a pack of lies.  I'm only going to tell you the way it is and will substaiante what I say with links to various pages of the Official Paypal website and refer to a couple of Paypal emails which surfaced a while back regarding Paypal's internal policy on cyrptocurrency related transactions.

This is a very long post but I believe that it contains very important information regarding how you are best NOT separated without payment from your hard-earned cyrtocurrency, be it Bitcoin, Litecoin, Feathercoin or whatever happens to be your crypto of the day.

In this post I have attemtped to be as brief as possible while still imparting the main thrust of the information and to provide affirmative substantiation for my position that Paypal should never, ever be used for any kind of cryptocurrency related transaction.

Let us begin!

Examine this link to items excluded from the Paypal Buyer Protection Policy:

https://www.paypal.com/helpcenter/main.jsp;jsessionid=JwCcRwwQG2rnG2tklpPM0v4HQPJvF3R4Mxy4BHrkY5xNlCnmkT91!-839210079?locale=en_US&_dyncharset=UTF-8&countrycode=C2&cmd=_help&serverInstance=9022&t=solutionTab&ft=browseTab&ps=solutionPanels&solutionId=1229191&isSrch=Yes

Please take careful note (From the citation):

Q: "What types of items are excluded from PayPal Buyer Protection?"

A: " Intangible items, including Digital Goods

(Q): If You Buy Crypto On ebay Are You Covered By Paypal Buyer Protection?:

(A): Yes, when you buy on www.ebay.com you are covered by PayPal Buyer Protection for eligible purchases.

https://www.paypal.com/helpcenter/main.jsp;jsessionid=MbyyS1PbtZ8QTtGmKqdGvv0WPXR9jkh5hk2TvvllgbPRG6YwqKpV!-1109887407?t=solutionTab&ft=homeTab&ps=&solutionId=166697&locale=en_US&_dyncharset=UTF-8&countrycode=C2&cmd=_help&serverInstance=9022

In short, because Cryptocurrency is a digital item, buyers are NOT elegible for Paypal Buyer Protection!

Now let's take a look at the situation for sellers:

"(Q): What is PayPal Seller Protection?

(A): PayPal Seller Protection is a form of protection that we provide for sellers with a PayPal Account. It is available for eligible payments made through eBay and outside of eBay which involve buyers purchasing through PayPal Accounts in any country.

(Q): What kinds of transactions are not eligible for PayPal Seller Protection?

(A):  Intangible items, including digital goods, travel tickets, gift vouchers and services.
         Items that you deliver in person, including at a physical store."

"Prohibited Activities

You may not use the PayPal service for activities that:

(2) relate to transactions involving:

(h) involve currency exchanges ................................."

Let us examine further:

"PayPal requires pre-approval to accept payments for certain services as set out in 6 above and detailed in the chart below."

"Activities Requiring Approval:

"Airlines and scheduled or non-scheduled charters/jets/air taxi operators; collecting donations as a charity or non-profit organization; dealing in jewels, precious metals and stones; acting as a money transmitter or selling stored value cards; selling stocks, bonds, securities, options, futures (forex) or an investment interest in any entity or property; or providing escrow services."

Think that you'll cover yourself as a buyer or seller by writing some kind of "No Chargeback" agreement?


Think again!  Such an agreement is a contract and Paypal Buyer/Seller Protection does NOT cover contracts!:

http://pages.ebay.com/help/policies/contracts.html

"Policy overview

When you list an item that comes with a contract, you're responsible for following the rules of that contract. Since eBay isn't a party to these types of contracts, we don’t review contracts, adjudicate, or take sides in any contract disputes, or enforce terms from third parties restricting the resale of an item.

If you have any questions about your rights under a contract or agreement, get in touch with the company you have the contract with or talk to a lawyer for advice."

Think personal delivery will cover you as a seller or buyer?

Think twice!:

https://cms.paypal.com/c2/cgi-bin/?cmd=_render-content&content_ID=ua/UserAgreement_full&locale.x=en_US#7.%20PayPal%20Buyer%20Protection.

"Items which you collect in person, or arrange to be collected on your behalf, including at a retail point of sale."

Oops!  There's another good idea down the tubes!

And last but not least; think you're covered by taking a "Personal Payment" or "Gift" through Paypal?

But NO!

Paypal will not charge back on such transactions but if the Paypal account has been funded by a credit card instead of the Paypal balance or a bank account, the buyer can go back on the seller through the issuing credit card company!

Here's the kicker!

It is against the User Agreement to prohibit payment through Paypal in transactions funded by credit card!

From the Paypal User Agreement:

Prohibited Items:

"Items equivalent to cash, including prepaid or gift cards."

Crypto may be considered by Paypal to be equivalent to cash at any thime and there you go!

https://cms.paypal.com/c2/cgi-bin/?cmd=_render-content&content_ID=ua/UserAgreement_full&locale.x=en_US#7.%20PayPal%20Buyer%20Protection.

And FINALLY:

Here are the true skunks in the woodpile!

Emails from Paypal regarding the use of the service for cryptcurrency related transactions:

(1) "Hello [name removed],

We have reviewed your PayPal account and found that you are selling bitcoin mining machines. Per our current Acceptable Use Policy for Money Service Businesses, PayPal may not be used to operate a currency exchange, bureau de change or check cashing business including the sale of bitcoins, bitcoin mining units, and other related bitcoin products.

To continue using your PayPal account, we need some additional information from you. Keep in mind that we have placed a limitation on your PayPal account, and this limitation will remain until we receive and review this information. Please provide us with the following:

• A brief affidavit stating that you understand and will comply with PayPal's terms and conditions. • The type of payments you will send and receive, including the type of goods or services you will accept payments for in the future.

Below you will find suggested affidavit language. Please make sure that the requested affidavit is signed and notarized.

I the undersigned do affirm that I understand and will comply with PayPal's policy regarding the use of PayPal Accounts to sell e-currency, such as bitcoins, bitcoin mining units, and other related bitcoin products. I understand that PayPal may not be used to sell e-currency, such as bitcoins, bitcoin mining units, and other related bitcoin products. I further affirm that any further detected violation of the policy may result in the immediate closure of, or restriction to access to the account.

Please log in to your account and go to the Resolution Center to find out what you need to do. Your account will remain limited until the issue is resolved.

Additionally, in the future, if we find that your account is selling bitcoin products, we will need to sever our business relationship with you.

We look forward to hearing from you and thank you for choosing PayPal as your business partner.

Sincerely, Mike PayPal Compliance Department PayPal, an eBay Company

Please do not reply to this email address as it is not monitored and we will not receive your response. You can get in touch with us by clicking "Contact Us" at the bottom of any PayPal page.

Copyright © 1999-2013 PayPal. All rights reserved."

Paypal Official Policy on Bitcoin related transactions:

(2) "Clarification on Bitcoin merchants using PayPal 6/10/2013 8:58 AM (-05:00) Impacted market: EMEA
We’ve received a number of escalations regarding Bitcoin merchants using PayPal. Any merchant seeking to sell or buy Bitcoins with PayPal is operating as a financial exchange. Please be aware that Financial Exchange merchants are prohibited unless pre-approved by PayPal. This process involves getting VP approvals from both Risk and Compliance, and only licensed financial institutions are considered.
Merchant contacts
If we receive contacts on Bitcoin sales, instead of escalating further, kindly advise customers that they need to be licensed financial institutions to be considered for approval. However, there are some acceptable cases, as outlined below.
Acceptable Bitcoin business models for PayPal
Merchants with a business model that is related to Bitcoin but does not sell Bitcoins may be acceptable. For example: Merchants offering Bitcoin education packages Merchants selling computer hardware designed specifically for mining Bitcoins. In this case, kindly ensure that the merchant isn’t pre-selling and actually has the equipment ready to deliver.
Please note – All Bitcoin-related e-commerce should be considered high risk."

http://www.reddit.com/r/Bitcoin/comments/1g23w2/paypal_email_to_employees_policy_regarding_bitcoin/

Paypal can lock up BOTH the seller and buyer accounts for up to 180 days on the basis of "suspicious transactions"!

In short.........................

DO NOT USE PAYPAL FOR ANYTHING CONNECTED WITH CRYPTOCURRENCY IF YOU WANT TO GET PAID AND STAY PAID!

My $.02.

Thank you for reading!"

So it was permanent ban?. Whats its showing now? You should be able to withdraw funds.

Tell us who is the customer so we can avoid him/her!

Yeah, Paypal is fucking annoying. That was my first and very sure last account with paypal i made over a year ago !! and of course i called their support number and some guy with very poor and heavy accents picked up the call and said we are sorry even if you've provided  everything to remove the freeze your money can only be withdrawn after 6 months and still after 6 months i can't go through it !!!  Felling like kicking ass of the customer who chargebacke my account !!!

Obviously i want  get my paypal back its holding my 2200$ in it. So tell me what do you want me to provide you with

To be precise chargeback requests are a major problem for merchants not paypal users

Sure, chargeback is a big headache for Paypal users. Fortunately chargeback is not possible for Bitcoin.

But if OP still has to use Paypal, please PM me to see if I can help.

And this is why Paypal is really not something trustable unlike the bitcoins.

This the reason why most people around the Bitcoin community hate Paypal.

Yeah, "forgot" and "unknowingly". You can basically get your money back from any purchase you make with Paypal. It's an absolute joke.

PM'ed kindly check !!!