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"PayPal Purchase Protection" is such a huge pile of B.S.

546 430 May 3, 2020 at 04:13 PM
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I'm sure most of the wiser SDers here are well aware of the actual worthlessness of Paypal Purchase Protection program, but for those that are not, let me share my tale as a PSA.

Like most naive consumers, I thought Paypal was the most secure payment method out there and they would stand by and protect the buyers especially with their Purchase Protection program. Unfortunately, I just learned that it's all a pile of hot B.S.

Here goes: about a month ago, I found what I thought was an awesome deal for a single child passenger bike trailer for about $40. I saw some red flags as it was essentially half the price of other commerce sites but since they accept paypal, I thought sure why not take a shot. I figured the worst that can happen is for me to initiate a ticket if it turns out to be a scam because I've always read from fellow SDers on hot deal threads that Paypal is safe and paramount and worth the risk.

Well, I obviously got scammed big time. Instead of said bike trailer being sent from a supposedly local DC storefront, it was a dropped shipment from IL (based on the USPS tracking info and label). What they sent was a f-ing 2 inch long toy alligator, probably some 10 cents or less crap. I immediately filed a complaint with Paypal, provided pictures of the envelop with the exact shipping label and tracking info from them as well as the darn alligator and after long delays, the seller said to (of course) return the product sent to their CHINA office! WTF. To make it worst, they provided their return address in CHINESE so there was no way to send (probably cost more for postage to China then the what I paid). I reached out to Paypal again and they said they would look into it further and provided an English translation of the address (which I thought was BS as well).

Paypal eventually proceeded to deny the claim saying "This decision was made because if an item is materially similar to the seller's description, we do not consider it to be significantly not as described." Since when does a description of a InSync bike trailer the same or materially similar to a 2 inch plastic alligator? Paypal has lost me going forward, I'd rather deal with credit card companies than them.

Lesson learned.

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#2
Quote from MBster
:
I'm sure most of the wiser SDers here are well aware of the actual worthlessness of Paypal Purchase Protection program, but for those that are not, let me share my tale as a PSA.

Like most naive consumers, I thought Paypal was the most secure payment method out there and they would stand by and protect the buyers especially with their Purchase Protection program. Unfortunately, I just learned that it's all a pile of hot B.S.

Here goes: about a month ago, I found what I thought was an awesome deal for a single child passenger bike trailer for about $40. I saw some red flags as it was essentially half the price of other commerce sites but since they accept paypal, I thought sure why not take a shot. I figured the worst that can happen is for me to initiate a ticket if it turns out to be a scam because I've always read from fellow SDers on hot deal threads that Paypal is safe and paramount and worth the risk.

Well, I obviously got scammed big time. Instead of said bike trailer being sent from a supposedly local DC storefront, it was a dropped shipment from IL (based on the USPS tracking info and label). What they sent was a f-ing 2 inch long toy alligator, probably some 10 cents or less crap. I immediately filed a complaint with Paypal, provided pictures of the envelop with the exact shipping label and tracking info from them as well as the darn alligator and after long delays, the seller said to (of course) return the product sent to their CHINA office! WTF. To make it worst, they provided their return address in CHINESE so there was no way to send (probably cost more for postage to China then the what I paid). I reached out to Paypal again and they said they would look into it further and provided an English translation of the address (which I thought was BS as well).

Paypal eventually proceeded to deny the claim saying "This decision was made because if an item is materially similar to the seller's description, we do not consider it to be significantly not as described." Since when does a description of a InSync bike trailer the same or materially similar to a 2 inch plastic alligator? Paypal has lost me going forward, I'd rather deal with credit card companies than them.

Lesson learned.
Rule of thumb is always use a Credit card when purchasing imo...preferably one that has a decent rep for service when and if you ever need to dispute the charge. Paypal is not going to care imo as they are not floating you credit and doing anything other than taking their 2.9% + 0.30 lol for processing the transaction. It may be safer in that the seller does not have your CC info, but that should not matter if you go through a site like EBay. If you are on some no-name vendor site, you should not be purchasing from them in the first place imo or should be very suspicious of it if it does not check out rep-wise online. Reputable sellers sell on reputable sites or establish their own website that is secure and reputable. Scammers can exist on reputable portals like EBay, but at least Ebay has an incentive to keep its site secure and reputable for buyers (they really do not care too much about sellers though imo). Paypal does not really care too much as they are not offering a platform for buyers and sellers to meet, they are simply offering a means for someone to pay someone else.

My 2 cents.
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Last edited by YanksIn2009 May 3, 2020 at 06:36 PM.
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#3
^ some people haven't done the things they talk about
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for those that hate spelling mistakes www.walmarts.comCool

bulb save money by checking your insurance every 2 years (and not every 20) Thanks Liberty Mutual for reminding me to shop. The $842 increase this year sums it up. Across the board increase for Ohio....whatever
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#4
Quote from MBster
:
I'm sure most of the wiser SDers here are well aware of the actual worthlessness of Paypal Purchase Protection program, but for those that are not, let me share my tale as a PSA.

Like most naive consumers, I thought Paypal was the most secure payment method out there and they would stand by and protect the buyers especially with their Purchase Protection program. Unfortunately, I just learned that it's all a pile of hot B.S.

Here goes: about a month ago, I found what I thought was an awesome deal for a single child passenger bike trailer for about $40. I saw some red flags as it was essentially half the price of other commerce sites but since they accept paypal, I thought sure why not take a shot. I figured the worst that can happen is for me to initiate a ticket if it turns out to be a scam because I've always read from fellow SDers on hot deal threads that Paypal is safe and paramount and worth the risk.

Well, I obviously got scammed big time. Instead of said bike trailer being sent from a supposedly local DC storefront, it was a dropped shipment from IL (based on the USPS tracking info and label). What they sent was a f-ing 2 inch long toy alligator, probably some 10 cents or less crap. I immediately filed a complaint with Paypal, provided pictures of the envelop with the exact shipping label and tracking info from them as well as the darn alligator and after long delays, the seller said to (of course) return the product sent to their CHINA office! WTF. To make it worst, they provided their return address in CHINESE so there was no way to send (probably cost more for postage to China then the what I paid). I reached out to Paypal again and they said they would look into it further and provided an English translation of the address (which I thought was BS as well).

Paypal eventually proceeded to deny the claim saying "This decision was made because if an item is materially similar to the seller's description, we do not consider it to be significantly not as described." Since when does a description of a InSync bike trailer the same or materially similar to a 2 inch plastic alligator? Paypal has lost me going forward, I'd rather deal with credit card companies than them.

Lesson learned.
Ouch, sorry you're going through this!

Did you also pay with a Credit Card within Paypal, or Paypal balance/bank account? I have always used CC from the time I opened Paypal as either they didn't have this "Protection" back then, or I didn't know about it. I have seen that recently, but continue removing any balance in Paypal and make sure the CC is the primary payment so that I still have my CC as secondary protection. I had a similar issue with Ebay fees actually, and I had my CC reverse the charge since Paypal wouldn't do anything. I owed Ebay for some time before I got a rep on Ebay's side that realized the problem and reversed their charges. Chase, Discover, and Amex have always been great at taking care of me when I've had seller issues.
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#5
Quote from Platin465
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Ouch, sorry you're going through this!

Did you also pay with a Credit Card within Paypal, or Paypal balance/bank account? I have always used CC from the time I opened Paypal as either they didn't have this "Protection" back then, or I didn't know about it. I have seen that recently, but continue removing any balance in Paypal and make sure the CC is the primary payment so that I still have my CC as secondary protection. I had a similar issue with Ebay fees actually, and I had my CC reverse the charge since Paypal wouldn't do anything. I owed Ebay for some time before I got a rep on Ebay's side that realized the problem and reversed their charges. Chase, Discover, and Amex have always been great at taking care of me when I've had seller issues.
Unfortunately, not. I had cash balance in the account that came from (rakuten cb). It was my stupidity in trusting the Paypal Buyer Protection Program vs. doing a more thorough research beforehand. Like I said, lesson learned and hopefully imparted on fellow naive SDers.
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#6
PayPal is notorious for siding with buyers, not sellers, to the point that many sellers hate using it because PayPal never takes their side. Tough to be stuck on other side of that as you are, but I'd say don't give up. Keep pushing the claim since they did not resolve it (the item is not remotely similar).
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#7
I used PayPal protection 2 times. It worked for me once on eBay and once on AliExpress
I got all my money back.
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#8
That sucks op. Keep escalating the issue. And learn the lesson...use your cc through PayPal. Only use bank info if someone sends you money through PayPal, never for actual payment
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#9
Yet another reason to use a CC, a second fallback.
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#10
Quote from bonkman
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That sucks op. Keep escalating the issue. And learn the lesson...use your cc through PayPal. Only use bank info if someone sends you money through PayPal, never for actual payment
Yes keep escalating although I think PP is a joke via phone. A few months ago I sold an item got scammed (persons account was hacked) I provided proof of shipment and than they left me off the hook. Next thing another 2 months later (I assume the buyer opens a claim with CC or whatever happened). I get than messaged by PP that the case was closed on my favor, but the idiot I got (broken ass English) said it was the first time I was thats BS same issue just reopened. I asked for escalation and she said it will be under review would either side with me or lose the money. Luckily they sided with me here (I assume showing all the proof helped a bunch).

Kind of surprised they sided with the seller here. As mentioned keep fighting it and always pay with CC you get that extra layer of protection.
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Last edited by gpister May 6, 2020 at 09:24 AM.
just being slick
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#11
lol...whos broken english we reading
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#12
well this isn't too reassuring... lol. I just opened a claim for only the second time in 12 years, (eBay item not received and it's outside the eBay 55-day (wtf?) window for buyer protection).
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#13
Quote from YanksIn2009
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Rule of thumb is always use a Credit card when purchasing imo...preferably one that has a decent rep for service when and if you ever need to dispute the charge. Paypal is not going to care imo as they are not floating you credit and doing anything other than taking their 2.9% + 0.30 lol for processing the transaction. It may be safer in that the seller does not have your CC info, but that should not matter if you go through a site like EBay. If you are on some no-name vendor site, you should not be purchasing from them in the first place imo or should be very suspicious of it if it does not check out rep-wise online. Reputable sellers sell on reputable sites or establish their own website that is secure and reputable. Scammers can exist on reputable portals like EBay, but at least Ebay has an incentive to keep its site secure and reputable for buyers (they really do not care too much about sellers though imo). Paypal does not really care too much as they are not offering a platform for buyers and sellers to meet, they are simply offering a means for someone to pay someone else.

My 2 cents.
Wouldn't paypal dislike you disputing the charge on your credit card and forcing them pull the money back? I would think this would be grounds for paypal account closure
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#14
Quote from Zer0k
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Wouldn't paypal dislike you disputing the charge on your credit card and forcing them pull the money back? I would think this would be grounds for paypal account closure

No idea, but they have no more right imo to deny you a service because of a credit card dispute from a bank card they agreed to accept than does Amazon, a super market, a department store, restuarant or any other merchant imo. They are somewhat unique in that they are an agent handling the money between two parties (which is usually done by the CC company) as opposed to a consumer and a merchant, but I would think they still have to abide by whatever dispute resolution the CC card company imposes on both parties.

EBay faces the same situation and has their own dispute policy which is more thorough and tailored to the re-seller platform they offer (such as it is), but they seem to have dealt with it and seem to do so by more or less agreeing with the buyer in many cases imo. They also have a fraud staff monitoring sellers actively. Paypal has no idea on such when it comes to person x selling item y to person z directly.
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Last edited by YanksIn2009 May 11, 2020 at 09:19 PM.
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#15
PayPal lost my business when they didn't honor the free return postage offer. I closed my account.
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