I posted this in a thread on the OT, but it bears repeating.

Beware if you are purchasing any type of digital product; apps, songs, services such as iphone unlocking, etc. and use paypal.

They won't go to bat for you. I found this out the hard way after 2-3 months of haggling.

Use your normal VISA or AMEX instead. They don't have stupid loopholes and actually have a relationship with me. VISA, my bank, my brokerage account, etc. have never questioned me when I disputed a charge..especially something as minor as $5.

THE MORE YOU KNOW....

quote:
This Claim is Now Closed
----------------------------------------------------------------------

Dear Mr CAD,

We completed our investigation for the following transaction:

Case ID: XX-XXX-XXX-XXX-XXX
Transaction Date: May 6, 2014
Transaction Amount: -$5.00 USD
Seller's Email: juniorkiswani@gmail.com
Seller's Name: Gehad Mohamad

Unfortunately, we are denying your claim because your purchase was for a
virtual, digital, or intangible item, which is not covered under PayPal
Purchase Protection. We only cover claims involving physical items that
can be shipped and tracked.

We encourage you to work directly with your seller to resolve the problem.
You'll find their contact information on the Transaction Details page.

Yours Sincerely,
Seeta
PayPal

This post was edited on 7/24/14 at 10:50 am

2 ...

Report Post

Posted by TigerinATL

Member since Feb 2005

61516 posts

Posted on 7/24/14 at 10:54 am to CAD703X

quote:
VISA, my bank, my brokerage account, etc. have never questioned me when I disputed a charge..especially something as minor as $5.

The law tells them to do that.

quote:
If your credit card is lost, stolen, or used without your authorization, you do not have to pay for any unauthorized charges greater than $50 under the Truth in Lending Act.

LINK

I guess paypal doesn't qualify as a credit card and therefore isn't subject to the same requirements? Also, the credit card companies aren't some altruistic entity absorbing your pain for you, they put all those charges back on the merchant.

This post was edited on 7/24/14 at 10:56 am

2 ...

Report Post

Posted by CAD703X

Liberty Island

Member since Jul 2008

78101 posts

Posted on 7/24/14 at 10:57 am to TigerinATL

quote:
I guess paypal doesn't qualify as a credit card and therefore isn't subject to the same requirements? Also, the credit card companies aren't some altruistic entity absorbing your pain for you, they put all those charges back on the merchant.

yep. the more you know. buyer beware.

1 ...

Report Post

Posted by ILikeLSUToo

Central, LA

Member since Jan 2008

18018 posts

Posted on 7/24/14 at 11:06 am to TigerinATL

PayPal doesn't even qualify as a bank. Their TOS gives them a lot more freedom to decide what should happen to your money. I always use a credit card for online purchases. Unfortunately, that same safety net of disputing a charge is abused by some. If a buyer disputes a charge with cc company, paypal takes the money from the seller regardless of return policy/claims process. I suppose it's similar for most merchant account services, except paypal is one of the few that tries to play the role of a bank, escrow service, and merchant account all in one.

This post was edited on 7/24/14 at 11:07 am

0 ...

Report Post

Posted by ZereauxSum

Lot 23E

Member since Nov 2008

10176 posts

Posted on 7/24/14 at 11:41 am to CAD703X