posted on March 27, 2001 09:49:41 PM new
THIS IS WHAT PAYPAL SAID THEY WOULD ANSWER TO ANY NEGATIVE POSTS I PUT UP. MY ANSWERS ARE IN BOLD PRINT.
WHAT STONEY DIDN'T TELL YOU---AND STONEY'S ANSWER
Mr. Brodie is trying to take advantage of your good faith to enlist your
support in a campaign against PayPal without telling you the full story.
Here are some things he didn't tell you.
1. From the beginning, PayPal has stated in its Terms of Use that
customers who accept payments through PayPal are subject to chargeback if
the payment is reversed. This fundamental point, which is standard in the
payments industry for merchants who do not deal with their customers
face-to-face, was re-emphasized by PayPal when PayPal launched its Seller
Protection Program in August 2000, which provides merchants protection from
chargebacks in specific circumstances. Mr. Brodie did not qualify for the
Seller Protection Program. It is the responsibility of every customer to
read the Terms of Use and other communications from PayPal, but particularly
a merchant doing hundreds of thousands of dollars of business through PayPal
such as Mr. Brodie cannot claim ignorance.LIE PAYPAL SENT ME AN EMAIL EACH TIME SAYING"YOU'VE GOT CASH" NOT CREDIT.
2. Mr. Brodie has used the threat of publishing negative messages about
PayPal on listservs and in Internet publications as a means of seeking a
monetary settlement from PayPal.LIE MY MESSAGES WERE THE TRUTH AS TO WHAT HAPPENED
3. Mr. Brodie implies that PayPal does no screening for unauthorized
use of credit cards. In fact, PayPal uses both third party vendors, credit
card system tools and its own proprietary methods to screen out stolen
credit cards. PayPal has reduced credit card fraud rates to below 1%, and
overall fraud rates to below 0.5%, benefiting Mr. Brodie and all other
merchants. LIE I'M NOT THE ONLY ONE WITH THESE PROBLEMS
3. In the occasions when a stolen or unauthorized credit card gets
through PayPal's screening systems, it is PayPal that pays the charge-back.
PayPal will then seek to recover the charge-back from the merchant who did
business with the fraudulent customer. As Mr. Brodie has stated, his
account experienced approximately $33,000 in chargebacks. What he did not
tell you is that PayPal covered al of these $33,000 in chargebacks for Mr.
Brodie, and then sought reimbursement from him for the resulting negative
balance in his account, which he has not paid. Mr. Brodie owes PayPal
money.LIE THEY DID NOT PROVE TO ME THAT SO MUCH A ONE ACCOUNT WAS FRAUDULENT I PROVED FOUR WEREN'T
4. PayPal has developed additional tools to give merchants the ability
to reduce their exposure to chargebacks, particularly the ability to deny
credit card payments from buyers if the buyer has a verified bank account
available to make the payment, and to deny payments from buyers who do not
provide a confirmed shipping address. Mr. Brodie did not use these tools.LIE THESE TOOLS WERE NOT IN PLACE AND I REMIND YOU THEY SAID "YOU'VE GOT CASH"
5. Mr. Brodie asserts that PayPal imposed charge-backs on him in cases
where the customer confirmed that the transaction was good. Our records do
not reflect this. PayPal has invited Mr. Brodie for over a month to present
any information he has that would support this charge, and PayPal will
reimburse him in full for those transactions. He has not done so. LIE I'VE HAD CUSTOMERS CONTACT THEM AND PROVIDED THE NAMES OF THE ACCOUNTS. I REMIND YOU THAT PAYPAL NEVER PROVED TO ME THESE ACCOUNTS WERE FRAUDULENT.
6. Mr. Brodie has alleged that PayPal took the money from his customers to
pay charge-backs. In most cases, when merchant's PayPal accounts are
restricted for investigation of heavy chargebacks, the merchant requests
that PayPal continue receving payments, as the new payments will exceed the
chargebacks. When this turned out not to be the case for Mr. Brodie, PayPal
voluntarily reimbursed all payments made to Mr. Brodie after his PayPal
account was restricted.LIE PAYPAL TOOK OTHER PEOPLES MONEY TO OFFSET THE NEGATIVE BALANCE AFTER I TOLD THEM NOT TO ACCEPT ANYMORE TRANSFERS INTO MY ACCOUNT. BY THE WAY THEY CHARGED THEM 2% AND THEN CHARGED ME ANOTHER 2% WHEN THEY REFUNDED MONEY I NEVER GOT.As of today I still get emails asking for help getting their money back.Do I have to do their bookkeeping for them.
7. PayPal has never e-mailed customers suggesting they file fraud charges
against Mr. Brodie. For some customers who contacted PayPal to inquire,
PayPal sent them our standard e-mail message describing the rights that
buyers have if they want to file a complaint against a seller.ALSO A LIE WHICH THEY ADMITTED TO AND SAID THEY NEEDED TO WORD IT DIFFERENT.
FOR ANY OTHER QUESTIONS PLEASE EMAIL ME AT [email protected] AND I WILL BE HAPPY TO ANSWER ANY QUESTIONS AS TRUTHFULLY AS I CAN. I WILL HAPPILY SEND YOU NAMES OF OTHER PEOPLE THAT HAVE HAD THE SAME PROBLEM
[ edited by club1man on Mar 27, 2001 10:01 PM ]
"Mr. Brodie is making a number of incorrect and possibly illegal assertions about PayPal on a number of public Internet forums. The simple truth of the matter is that Mr. Brodie's e-gold business attracted a large number of credit card payments that were unauthorized or disputed, and "charged back." As is standard in the payments processing industry, and in accordance with our Terms of Use, PayPal paid these "chargebacks" and then sought to hold Mr. Brodie liable for these repudiated payments, as we do for any seller who has not qualified for our generous Seller Protection Policy. Mr. Brodie did not qualify for this protection due to the nature of his business, has refused to abide by our Terms of Use, and has refused to accept his financial and legal responsibilities to our company. As a result, we have ceased doing business with Mr. Brodie and will pursue legal action to recover the funds he owes us. We believe he may now be seeking to further avoid the legal ramifications of his actions by spreading erroneous information about our company. This, too, will be the subject of any legal proceeding.
PayPal's 7 million members send over $8 million in nearly 200,000 separate payments through our network each day. Very few of these transactions ever result in a dispute. To help protect members against those that do, we provide a Seller Protection Policy, that holds sellers harmless against chargebacks if they take certain preventative measures. This has helped PayPal maintain one of the lowest fraud rates in the industry and to become the #1 online payment service. Thank you for your interest and support of PayPal."
posted on March 28, 2001 06:32:01 PM new
MR DAMON HAS STATED NOW THAT PAYPAL IS NOW GOING TO SUE ME FOR TELLING MY SIDE OF THE STORY. WELL THAT'S A DIFFERENT STANCE THAN THEY HAD YESTERDAY.I WOULD ASK DAMON TO PLEASE TELL ALL OF YOU, WHAT PAYPAL OFFERED ME.IF YOU ARE GOING TO MAKE ACCUSATIONS PLEASE TELL THE WHOLE TRUTH IF HE WILL
posted on April 14, 2001 08:22:37 AM new
Clubman it looks like you had a questionable business going on.
If you were on the up and up you would have not had a problem.
I too had my account restricted and funds held but it was due to my own stupidity.
Paypal is fine just follow the rules.
All the posts you have made have been anti Paypal, by your tone and use of all caps you come off like some fanatic.
Before you continue to make statements I would suggestyou familiarize yourself with liable and slander laws.
Paypal may certainly come after you and I'm sure they have the lawyers and funds to do so.
posted on April 14, 2001 11:37:37 AM new
In response as to my business and ethics be assured that I have thousands of customers that will vouch for my honesty and integrity. My business is buying gold for people who can only afford small amounts at a time.As for my use of caps I don't type well so it is easier for me and I'm trying to let people know what can happen if they use paypal. They consistantly change the rules to fit themselves.I would not have done business with them if I had read this message board first. All these nice people complaining about paypal can't be wrong.Feel free to email me directly and maybe we can talk directly there are details not printed that would amaze you. [email protected]
posted on April 15, 2001 09:06:21 AM new
I'll tell ya - I'm starting to think twice about using Paypal anymore - there's just been too many people with bad experiences and I'm sure they can't be all mistaken! It almost makes me nervous that I've given them my bank info. now.
posted on April 16, 2001 09:10:59 AM new
I am proud to say I have got two of my customers off of paypal. One to close an account and one not to open at all based on me simply giving them the link to these threads. (Actually the ones in the service section but you know what I mean)
posted on April 16, 2001 04:36:49 PM new
I would first like to thank my daughter for the help.By seperating out my 175+ pages of history with the use of excel, we were able to determine that Paypals system of accounting is almost prehistoric. It was rampant with mistakes. Some of my customers are furious with paypal because they have had to prove they were not using fraudulant funds. We found errors in fees charged.When I mentioned it to paypal they said it was a mistake.WOW 81 times.My suggestion is that you download you history daily so you have a copy.That way they cannot change it to suit themselves.Better use another way and you won't have the problems i've had.---Stoney
posted on April 16, 2001 04:51:57 PM new
PayPal has reviewed club1man's account records numerous times, we have not found any improper charges or fees, we have provided our records to him and invited him to point out any errors, which we would refund if he could demonstrate. He has not provided us information on any of the transactions he claims are in error. We believe we are right and we have initiated arbitration to get all the issues resolved in an orderly way in front of an impartial arbitrator, including the amounts we believe club1man owes PayPal. Instead of respecting the arbitration process, club1man persists in repeating unverified allegations.
[ edited by paypaldamon on Apr 16, 2001 04:54 PM ]
