posted on November 3, 2000 08:13:36 PM new
I was reading the new PayPal TOU tonight and it seems to have two different versions which are changing before my eyes. You may want to keep your eye on the page.
Please look at the section under the BUYER PROTECTION POLICY.
I did not sign up with PayPal and cannot logon but this version was posted tonight at another eBay Forum. If you logon and click on POLICY CHANGES on the left:
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QUOTE
"Buyer Protection Policy
Although the vast majority of PayPal payments occur without problems, should an issue arise, PayPal will work to help settle disputes through our Buyer Protection Policy.
eBay Purchases
For purchases made on eBay using PayPal on or after 11/10/00, buyers may receive up to $200 in additional protection when they qualify for eBay's own insurance policy (currently limited to $200).
If you do not receive the promised goods when using PayPal to make a purchase from a PayPal Verified Seller through eBay, here are the steps you should take:
1.Attempt to contact the seller. Many disputes occur over simple misunderstandings which can be resolved by open communication.
2.If you are unable to resolve the situation this way, immediately contact Customer Service to log a fraud report. To be covered under our Policy, this report must be made within 30 days of the payment. Note that this is not the claim. It is a fraud or scam report.
3.File a Fraud Report and Insurance Claim through eBay. EBay offers insurance to protect the transactions in its community, and PayPal works to independently supplement their program.
4.If eBay’s dispute process is resolved in your favor, within 30 days of the judgment you must contact PayPal customer service in order to file a Claim against the seller. (A Claim is distinct from the Fraud Report described in Step 2; both must be submitted within the periods specified in order to qualify for our Buyer Protection Policy.)
5.You must have Verified your PayPal account prior to filing the Claim with PayPal. Verification proves your identity and helps resolve the investigation process. (You are not required, however, to have been Verified at the time the payment in question was made or when you logged the initial Fraud Report with PayPal.)
Please note that the above process applies only to Verified sellers, so make sure the seller is PayPal-Verified before you pay them. To learn more about filing a claim with eBay, please visit: http://crs.ebay.com/aw-cgi/ebayisapi.dll?crsstartpage
Non-eBay Purchases
For non-eBay purchases, PayPal will investigate your claim and attempt to recover any funds rightfully owed to you. For purchases made through other online auction communities or other websites, we recommend that you familiarize yourself with their protection policies prior to making a payment. If you are defrauded, please notify PayPal immediately so we can initiate an investigation on your behalf.
To learn more about our policy, please view our Terms of Use.
PayPal, the number one auction payment service, has doubled the protection offered to all buyers on eBay, the number one online auction website. In the future, we plan on expanding this program to other internet marketplaces, as well."
END QUOTE
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Here is the relevant version from the home page when you click on TERMS OF USE located at the bottom:
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QUOTE
"Buyer Protection Policy
The seller's Verification status will be displayed to you on the PayPal website when you confirm the details of your transaction, giving you the opportunity to cancel the transaction prior to sending payment if you do not want to pay an Unverified seller.
ii. Additional Protection for eBay Auctions
For purchases made on eBay using PayPal, PayPal.com offers an additional layer of protection. If you pay a Verified seller but do not receive your goods, you must first file a claim under eBay’s Insurance Claims process (an “eBay Claim”). If your eBay Claim is granted but does not cover the full amount of your loss, PayPal will reimburse you for up to $200 of such additional losses, whether or not PayPal is able to recover such funds from the seller.
In order to receive this additional protection, you must file a Fraud Report with PayPal within 30 days after the transaction, you must file a claim with PayPal within 30 days after your eBay Claim is granted, and you must be a Verified User when you file your claim with us. To obtain instructions on how to file a claim with PayPal for this additional protection, please visit the Customer Service section of the PayPal Website or contact us by e-mail at [email protected]. You will have to provide a copy of the eBay Claim that you filed and satisfactory evidence that your eBay Claim was granted, so you should retain a copy of these documents. PayPal will seek to reimburse you for your additional losses not covered by the eBay claim, up to $200, within 30 days from the date your claim is filed, though such time frame may be extended if necessary to ensure the accuracy of the claim."
END QUOTE
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Does anyone see a problem here concerning the buyer's protection or LACK of protection? Who is going to use PayPal for a purchase once their six month $500 credit card limit is used up? The most protection they can hope for without their normal credit card protection is $400, IF they file a claim through eBay's insurance and IF the seller is verified. How do they know if the seller is verified before they bid? BTW, how do you like the way PayPal tells the customer NOT to pay a seller if they aren't verified?
Also, what about the buyer's protection for non-eBay purchases? Their doesn't seem to be any. Who's running this company?
Blanche
[ edited by bhearsch on Nov 3, 2000 08:16 PM ]
posted on November 3, 2000 09:06:39 PM new
I am (by choice!) unverified. I have stopped mentioning PP in my auctions, but still have an account. The last time I requested a check, on Oct. 07, it came with no problem.
I just went to the site to request that the funds I have there be sent to me (by check). Added at the top of the page where I fill in the amount I want is this, in red:
"Users who are not verified may only request a check to billing addresses. Please register a bank account and request an electronic funds transfer or register a credit card with your account. You may also contact customer service at [email protected] if you do not want to add a bank account or credit card to your account."
This might make sense if I were requesting the money sent to a new address, but it is the same address they have BEEN sending my checks to.
If the purpose of this is to make me close my account, they have succeeded. Just wonder what they think they are going to do with MY money if I won't jump through their hoops?
posted on November 3, 2000 09:11:51 PM new
Kudzurose,What exactly do they mean by billing address? You mean they will not send a check to the same address they have been sending to for months? I thought they had to give notice to make changes like this?
Edited to add:
Just went to the site to check and it still says it will send a check to my home address.
WHEW!
posted on November 3, 2000 09:31:27 PM new
I emailed the address ([email protected]) and got a canned reply - they say they now require some "proof" of my address, such as a credit card no. billed to the address, a utility bill with my name on it, at this address, etc.
This is the exact address they have been sending my checks to - no change whatsoever. There have been no problems with my account, on my part or anyone paying me.
I was NOT notified of this change. The email I got back said "effective Oct. 31, PayPal will require . . . ." and describes the proof of the "billing" address they want. It is written as if Oct. 31 hasn't arrived yet.
posted on November 3, 2000 09:35:23 PM new
rawbunzel - forgot to mention - I did not find the new "statement" until I got to the page to fill in the amount I wanted to withdraw.
If you are not verified, go through the first few steps to ask for a check, and see what happens.
posted on November 3, 2000 09:38:01 PM new
Kudzurose, I am not verified but they do have my charge card number as I have used it to make payments. I wonder if that could be why I did not see the message? [still can't figure out how I can be unverified when they have my credit card number!]
posted on November 3, 2000 10:03:32 PM new
When I signed up for Yahoo PayDirect, I was not required to "verify." Nor was I required to verify in order to have funds sent TO my credit card or bank account.
The only verification required by Yahoo is when funds are to be moved FROM my bank account TO my Yahoo account.
I suspect the same goes for Paypal. They want the ability to remove funds from anyone's bank account. Only they won't admit it. Paypal lies.
