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In Reply to: RE: Some New Paypal Rules posted by stehno on October 15, 2014 at 21:17:04
I agree paypal sucks, but if you are a savvy seller you are still protected. By the time someone files a claim, you should have long since moved the money out of Paypal's reach. So, the scumbag buyer can return it, but can't force the money out of your pocket. Paypal takes the hit. Sure, you have to start a different paypal/ebay/etc account, but it beats eating a $3k or whatever loss.
Follow Ups:
Yes, Paypal sucks big time, as does eBay.
And no you cannot pull the funds. If the funds are not there for Paypal to take back, they automatically take the funds from one of your credit cards, if not a credit card, they will take it from your checking account, and you will not even know about it until long after it happened. Even when you have all the documentation, signatures, etc, it does not matter. They do what they want when they want.
Oh, and if you happened to have closed the credit card, Paypal still will take the funds from your closed credit card.
No, when ebay and Paypal get involved they control EVERYTHING and you are completely at the mercy of some $5 per hour employee who never purchased anything over $29.
Argh, I'm getting anxiety just thinking about Paypal.
yes, you can pull funds and have them beyond paypal's reach. I have done it more than once, when scumbag buyers tried to screw me over. To the tune of $1500+ total. paypal tried to collect on it, which of course went nowhere (since they had no leg to stand on, legally). I had to start new paypal accounts, but that's trivial.
They will not take funds from credit cards nor ACH withdrawals without authorization. You can easily prevent that but they won't even try in my experience - they know they would lose - one call from you to the bank would reverse that charge immediately. Banks will take your side in any of those situations, since their ass is on the line.
Good luck to them trying to take funds from a closed account, too. That's just not going to happen.
Play it safe, and paypal is the only one that takes the hit, if you are smart about it.
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