I don’t know if /r/personalfinance is only supposed to be for those seeking advice. If so, please remove. But, this experience was new to me and thought the shared knowledge might be interesting
A few days ago, I got an email from eBay letting me know about my new purchase. 25 boxes of Cheetos for $250 paid via PayPal! No, I didn’t buy a bunch of Cheetos...
So, the first thing I did was log in to eBay and try to find the transaction but it wasn’t there. So, I changed my password on eBay, PayPal, my bank account, and all financial and personal things I could think of.
Then I requested a cancellation with eBay, filed a dispute with PayPal, and called my bank to file the fraud.
After laying the groundwork I got back into eBay to try to figure this thing out. I could see the fucking Cheetos as recently viewed items but nothing in purchase history... until I figured out there’s a hidden purchases tab? Why does that exist? It was there.
So, now I had to wait to hear from the seller on the cancellation and PayPal.
The seller wrote back the next day and said they’d canceled and refunded but all I could still see anywhere was the $250 pending on my account. Then, I got this AMAZING email from PayPal saying that they’d denied my claim because there was NO unauthorized purchase and the purchase was consistent with my purchasing history.
I’ve used PayPal three times in the last twelve months. I bought a couple records and a watch off eBay. No, never any Cheetos... I called PayPal and they let me know that yes it was denied and I forced the issue by being really snarky about my lack of Cheeto buying history. They eventually transferred me to someone domestic and I got her to agree the premise of the denial was absurd and after a long hold she came back on and said she hoped I could find a good use for the Cheetos and that she’d approved the refund.
I guess the most important takeaway in my opinion is that it appears PayPal damn near auto denies these claims. You’ve got to call and argue. So... hope that wasn’t a waste of time but I thought it was interesting
Submitted April 08, 2018 at 08:21PM by seeitalllife https://ift.tt/2HaWZdI
