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On this past Thanksgiving day I received a text message from my banks fraud department asking me to call them, so I did. I was told that someone just tried to use my business debit card at a retail store in California.
I told them I live in Michigan and I was home cooking. They told me to contact my bank when they reopened and file a fraud case and they were shutting down my debit card. So I contacted my bank and gave them the information I had been given. They filed a fraud case and put the $479.90 back in my account.
In February of this year they said I lost because PayPal had all my info. I told my bank that I canceled my PayPal account years ago and I don't use PayPal. At that time I asked the bank what it was that I supposedly bought and that's when they told me that it was an online purchase for 2 Playstation digital consoles. I told them I never ordered them, nor did I receive them.
They said I needed to call PayPal, so I did. They tried telling me that they couldn't help me because I called my bank instead of them, I said why would I call you, I didn't know you were involved. They informed me in April that the package had been delivered on March 4th to an address in New York and I live in Michigan. PayPal could see this whole time that the parcel was not being delivered to me.
They said they would explain all this to their Limitations dept and would even send an email to the seller requesting a refund. They said I would have a decision in 72 hours and I have not heard from them.
User's recommendation: Don't use PayPal and make sure they don't hold onto your information.
Monetary Loss: $480.
Preferred solution: Full refund.
Paypal Cons: No protection against fraud, Horrible customer service, Wont help transfer money or refund it.