Paypal Account Limited - Dispute Chargeback

Indigo90

soolin wrote: »

I am aware of a couple of other incidences where paypal have limited paypal accounts and then declined transactions- but in those cases the 'buyer' was thought to be part of a scam. One scenario is actually quite clever and as it works to defraud paypal I will not cover it here.

My only thoughts are that either paypal have linked the OP to an earlier fraudulent account or there is something else going on. In either case I would do as custardy suggests and phone paypal. You do not get buyer protection withdrawn just for opening two cases, so the OP needs to know exactly what paypal think they have seen- and then come back here so we can advise.

If I can have Just have a little clarification from the OP, how long have you been operating this paypal account , is it fully verified and have you ever opened a case previously also, have you ever used any other account ?

I've been using the account since November 2014. I have made a number of high value and sucessfull transactions apart from these two and my account has still become limited.

Also, Paypal don't give out any information at all regards to the accoutn limitation. I have phoned them many times and all they say is that I am "high risk". Also, yes, the account is verified and no, I don't have any other account with them.

Indigo90

custardy wrote: »

Have you phoned Paypal?

Again, I have phoned them many times and all they say is that I am "high risk". They refuse to do anything about the closed disputes.

soolin

Indigo90 wrote: »

Again, I have phoned them many times and all they say is that I am "high risk". They refuse to do anything about the closed disputes.

Hmm, I don't know where else to go with this one then, let me have a think or perhaps one of the regulars can help.

Just some more questions though- is there any chance that anyone you know has had issues with paypal and might perhaps have used your address, Internet connection or even laptop at any time? Or are you in anyway connected with a banned user- for example a flat mate or family member?

Indigo90

soolin wrote: »

Hmm, I don't know where else to go with this one then, let me have a think or perhaps one of the regulars can help.

Just some more questions though- is there any chance that anyone you know has had issues with paypal and might perhaps have used your address, Internet connection or even laptop at any time? Or are you in anyway connected with a banned user- for example a flat mate or family member?

I think this whole thing is to do with Paypals overly paranoid behaviour. I understand I've opened two disputes valued at £400 since opening the account in November 2014 however Paypal are so hasty considering other sucessful transactions I have conducted.

Also, I've checked my disputes and I can reopen them only if the items eventually arrived and are not as described. However I haven't received any handsets at all.

I also have to wait a few days before claiming a charge back (even if its possible) since I've just had to reset my pin number.

theonlywayisup

Indigo90 wrote: »

I think this whole thing is to do with Paypals overly paranoid behaviour. I understand I've opened two disputes valued at £400 since opening the account in November 2014 however Paypal are so hasty considering other sucessful transactions I have conducted.

Also, I've checked my disputes and I can reopen them only if the items eventually arrived and are not as described. However I haven't received any handsets at all.

I also have to wait a few days before claiming a charge back (even if its possible) since I've just had to reset my pin number.

Would it be possible for you to look at one of the disputes and screenshot it or add all of the details here. Remove anything which will identify you first.

bxboards

In this sort of situation where by limiting your account, Paypal have essentially assisted in facilitating fraud and have released funds to fraudsters. This is assuming the phone transactions were set up by fraudulent sellers who did not have, and had no intention of sending you the goods.

If the above is the case, I would go to the Financial Ombudsman Service personally - they would not accept 'high risk' and a refusal to discuss your account, and Paypal will need to front up and explain. Going to the FoS I suspect will unlock your account quick smart...

Indigo90

bxboards wrote: »

In this sort of situation where by limiting your account, Paypal have essentially assisted in facilitating fraud and have released funds to fraudsters. This is assuming the phone transactions were set up by fraudulent sellers who did not have, and had no intention of sending you the goods.

If the above is the case, I would go to the Financial Ombudsman Service personally - they would not accept 'high risk' and a refusal to discuss your account, and Paypal will need to front up and explain. Going to the FoS I suspect will unlock your account quick smart...

I just contacted the FoS and they will be writing to Paypal and sending me a complaints form. Thanks for that.

Here are the direct links to the images of my Paypal Account (with some detail concealed of course):

spartancoca.tumblr.com/image/112042420536

spartancoca.tumblr.com/image/112042443351

spartancoca.tumblr.com/image/112042369146

Also, one of the sellers (the transaction of £230) also has an eBay account and it looks like they've recently defrauded someone else:
feedback.ebay.co.uk/ws/eBayISAPI.dll?ViewFeedback2&userid=parke_naom&_trksid=p2055119.m1438.l2776

molerat

What is the £210 SNAD claim for ? 2 high value INRs and a high value SNAD in 10 days !

Indigo90

molerat wrote: »

What is the £210 SNAD claim for ? 2 high value INRs and a high value SNAD in 10 days !

That was a seller who sold me a Counterfeit Galaxy S5 for £210. I had to go to the Oxford street Samsung store to get a document stating that it was fake. I received a refund for that.

I've just been very unlucky and should've thought about the authenticity of these sellers. However, before I opened the claims I spoke to someone from Paypal and he stated that no limitations will apply on my account. He even escalated one of the claims for me.

ballisticbrian

I guess most people would have stopped at that stage and gone elsewhere, but your perseverance with eBay has got your fingers burnt. But on the flip side of the coin, you've become a liability for PayPal, and I'm sure you can see that. I don't think you'll get much further resolution via forum posts without following the courses of action already outlined.