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I called paypal before sending the payment to Lance Murphy for his

services. I wanted to confirm what protection I had under paypal policy. After being assured I was protected with full coverage if Lance Murphy did not give the services I was paying for.

After paying the $400 and then the remaining balance of $250 I received the work I paid for.

It was full of errors and false statements.

I then called and was told how to file a dispute with Paypal. The only

option available to me was buyers remorse. I explained I did not

have buyers remorse. Lance Murphy I informed the representative Lance Murphy was not an attorney. He lied to me that he was.

I sent documents where i stated he was an attorney and that he was taking my case. Only an attorney can stat cases.

Lance Murphy did responded stated he was a paralegal and not an attorney.

I supplied documents proving he was not a attorney or paralegal

in the state of Florida or any where.

After my dispute was denied I continue to investigate this Lance

Murphy and found out. The phone number he noted in his account

with paypal belongs to a doctor by the name of Dr. Richard. The address he notes in his account belongs to a UPS store.

I then supplies paypal with an email where Lance Murphy admits

James Lance Murphy is his brothers name.

Nothing Lance Murphy supplied paypal with to open this account is


In fact he is commenting identity theft to fraud people and paypal is

giving his the resources to do.

Thomas a manager in the dispute department read to me the buyer

remorse clause.

Because I have a disabliity I rely on costumer services reps

to assist me with policy and terms of agreements.

As a customer upon asking specific question I exspect the rep to give

me honest and correct answers to my questions and concerns.

the paypal rep lied and told me I was covered and and this was a lie.

Thomas told me even though Lance Murphy is committing identity

theft paypal is not resposible for allowing this criminal to use

their service to defraud me.

Thomas told me I did receive a service and therefore paypal is

not liable.

I asked Thomas how could I get true and proper service for my

$650 when the person offering the service is not able to do so.

Lance Muryphy is not an attorney or paralegal. Also he lied to me. I

hired an attorney not a paralegal. A paralegal is not an attorney.

I asked Thomas why was there not an opition for receiving services from someone commenting fraud or identity theft when disputing your claim.

Thomas was not able to give a answer.

It's clear paypal by omitting to add a protection clause in the dispute process for customers defrauded by someone payapl allowed to use there service is the perfect loop whole to not be held accountable.

paypal claims to do all that is possible to protect cusotmers from

fraud but it's clean based on situation that this is not the case

AT ALL!!!!

the buyers remorse disclaimer clearly stated unless you provided

compelling new evidence your dispute claim will be denied.

I was told by a rep that is it my job to do all the investigating

when I file a dispute.

Each time I called paypal to find out why my dispute was denied

I was told a different reason.

I provided the following:

1. Lance Murphy is not an attorney

2. Lance Murphy is not a paralegal

3. The phone number Lance Murphy provides is register to a doctors

office. 954 612 8007

4. The address Lance Muryphy provides is to a UPS store

5. Lance Murphy admitted to me in a email that James Lance Murphy is his brothers name.

6. After I informed paypal he was not an attorney or paralegal in Feb 2018 paypal continued to allow this criminal to use their service

I was told by Thomas this in not compelling evidence.

All my conversations with paypal has been recorded. I did to prove everything I have written.

paypal makes it impossible to dispute claims for people paying for services and it is designed this way so they don't lose the fee they receive from the person supplying the bad service.

In my case fraudulent service.

People like myself who has a advisability have enough disadvantages

to face in this world. A disadvantage paypal does not care about in any shape or form.

Product or Service Mentioned: Paypal Payment Processing Service.

Reason of review: Not as described.

Monetary Loss: $650.

Preferred solution: Full refund.

I didn't like: Paypal or there empoyees.

Company wrote 0 private or public responses to the review from Jun 29.
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