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Updated by user Jun 24, 2014

Here is a recent communication from PayPal Incorporated. However, after reviewing the email of my complaint submission.

PayPal Incorporated is now pretending that I have a dispute resolution process available. When I attempted to follow the email instructions to address a direct dispute with the claimed 'merchant', I was not allotted the proper protocol for me to officially 'file' the dispute per PayPal's email instructions. And, PayPal Incorporated has not provided a direct contact number or email address for me to address my dispute directly for optimum resolution. Apparently, PayPal Incorporated likes to hide behind electronic communications that are often not viable means for a proper resolution, when it comes to consumers addressing major transaction discrepancies.

Here is the email response that I received from PayPal Incorporated directly:

********** Email From PayPal Incorporated **********

RE:Unauthoโ€‹rized Use of Your PayPal Account

Inbox

x

From: service@***.com 11:36 PM (12 hours ago) To: me (private email) Hello Investment Profiteer, We have completed our investigation of your claim and have determined that this is not an instance of unauthorized account activity. At this time, your claim has been denied. Through careful research, it has been determined that the correct course of action would be to open a dispute for the transaction in question. The dispute process provides you and the seller a forum to negotiate a solution to resolve the problem with a transaction before requesting PayPal's support.

All information gathered in this dispute process will be accessible by both parties in the Resolution Center of your PayPal account. To open a dispute, please follow these steps: 1. Log in to your account at https://www.paypal.com 2. Select the "Resolution Center" subtab 3.

Click "Open a dispute." 4. Select "Item dispute." 5. Enter or select the transaction ID for the transaction you would like to dispute 6. Review the transaction information and select a reason for opening the dispute.

7. Enter in the details of the transaction and initiate communication with the seller in the "Post New Message" box and click "Post New Message." Please note that recovery of your funds is not guaranteed. We will actively work to help resolve the dispute on a best effort basis. PayPal is a user-initiated system and will only initiate payments that are requested.

Duplicate transactions may be the result of more than one payment being initiated. In this case we suggest that you contact the recipient and make arrangements to have them send the money back to you via PayPal or another method of your choosing.

Original review posted by user Jun 23, 2014

This communication is just to substantiate an ongoing fraud complaint against PayPal, Incorporated for their blatantly supporting fraudulent transactions conducted by some of their merchants. In this particular case, the merchant is Penny Pincher Press and their company/organization operates via the website: www.naturallyprudent.com.

My original fraud complaint submission against Penny Pincher Press via PayPal, was originally submitted back in November 2013. However, PayPal utterly neglected to resolve the matter and attempted to alleviate their responsibility in protecting me against fraud. PayPal, whether they realize it or not is clearly responsible for all transactions (especially of a fraudulent nature) conducted through their online transaction interface.

I have been battling an ongoing dispute through PayPal, as PayPal has authorization to make necessary adjustments in regards to its merchant accounts. Per PayPal's anti-fraud policy, PayPal clearly expresses its disregard to fraudulent activity conducted by merchants. I have followed all of the necessary guidelines and I already submitted an official complaint against Penny Pincher Press, still possibly run in part by a Claudia Ann Montelione and her cohorts. I addressed the matter back in November, but PayPal has refused to reverse the transaction and get me my money back as a result of the fraud committed by Penny Pincher Press.

Therefore, I am forced to take this necessary measure to express my utmost concern with PayPal allowing merchants to commit fraud via their online transaction system. I have researched the matter and I have verified that PayPal could have easily reversed the transaction at liability of the merchant's intent to commit fraud. However, PayPal has blatantly refused to reverse the transaction to date. This is extremely strange, as PayPal is not at any loss for getting me my money back, nor would it be any real effort for PayPal to do so. All PayPal would need to do is reverse the fraudulent transaction directly from Penny Pincher Presses account (all at the few clicks of a button by a PayPal Representative).

At this time, I am prepared to hold PayPal, Incorporated at liability for all of my losses and damages incurred since the fraudulent transaction took place, since PayPal, Incorporated has complete control over how their merchants transact. I only truly seek regaining my $282.98, unless the matter needs to be escalated to a suit action against PayPal for playing as an accomplice to the fraud committed against me. My only suggestion to PayPal, Incorporated, is to get rid of Penny Pincher Press as a merchant if they choose to continue commit fraud against consumers conducting transactions honestly through PayPal's allegedly 'safe' online transaction interface.

The PayPal Dispute ID is: PP-003-229-26*-999 as of June 23, 2014

Monetary Loss: $283.

Location: Trenton, New Jersey

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