I own an audio mixing console, and recently sold it via PayPal to a Church. I shipped it last week, and the new owner sent me confirmation that it was received and in good shape a couple of days ago. About a day or two after shipping, PayPal limited my account. I didn't realize this meant I was in trouble, but I guess something about sending $17,000 on an account I hardly use was suspicious to them. They asked for proof of "fulfillment", as well as a receipt from my "supplier". So I think to myself, "okay, I don't really sell stuff too often, but alright, I'll give them the original purchase receipt and tracking number, sure." They came back and asked for 6 months of bank statements (from a personal bank account that I don't really use), to explain my account activity change, the explain how my business works, more tracking numbers, as well as a website.
I provided them all the information, and shortly after doing some Googling, I noticed they have a nasty habit of holding people's funds for 180 days, and then at the end of the 180 days, citing "Acceptable Use" policy violations and docking them $2,500 per violation until the funds are deleted, without giving notice of exactly which aspect of the policy was violated. I combed through their User Agreement and Acceptable Use policy and found no violation. The closest thing I could find is a violation of their "Activities Requiring Approval" policy, to which the "high value items" section may apply, but it gives examples, and language that implies "operating as a dealer in jewels, precious metals, and stones", none of which apply to the item I sold––nor am I a dealer of any sort. I was simply selling a one-off item.
I have a pretty good feeling that this is going to get nasty. Is there a way I could refund the payment to the seller (who will gladly wire the money over now that they've received the item)? Can PayPal put my account negative $17,000 and then (successfully) send it to collections when I refuse to pay it? Would that stick, or would I have an argument against them for the credit bureau? Can they debit my connected card/bank account for the funds without my consent? At this point, I will never, ever use PayPal again, so I really could care less what happens to the account, I just need my money back. I don't know what to do.
Submitted October 20, 2021 at 02:04AM by PM_ME_YOUR_PITOTTUBE https://ift.tt/3E0AFgC
