posted on May 29, 2002 06:33:28 PM new
This is what I found out about pass through insurance. Generally it talks about employee benifit programs HUMM
http://www.governmentguide.com/govsite.adp?bread=*Main&url=http%3A//www.governmentguide.com/ams/clickThruRedirect.adp%3F55076483%2C16920155%2Chttp%3A//www.fdic.gov/
In search type-- pass through insurance
[ edited by club1man on May 29, 2002 06:40 PM ]
posted on May 30, 2002 09:36:13 PM new
Hi Flaoisland,
Users still have their chargeback rights intact. However, our User Agreement does state that a user must file a Buyer Complaint before filing a chargeback with their credit card company.
Why?
-we might be able to recover from the party the buyer is having an issue with on their behalf
If the buyer does not do this, then they possibly will run into an issue with filing a chargeback. They could also be restricted if a chargeback is filed, yet the seller shows that they got the merchandise. They could also be restricted if they have the merchandise from a merchandise quality dispute and they do not return the merchandise to the seller.
Hi ltlcrafty1,
We don't ignore our customers. To prove a point, why don't you go through the threads with unique complaints? You would find most of the negative posts in this forum come from the exact same people.
While I certainly appreciate your right to express a view, you are basing your calculations on problems with Paypal on the posts of a few. You are also assuming that a party posting that their account restriction has been for "no reason" is totally on the up-and-up. This isn't always the case...I've run into sellers opening accounts for their buyers, that have multiple accounts, that have numerous complaints against them for non-delivery claims,etc.
In addition, the ability to work a restriction does depend on receiving the documentation requested. If the user supplies incomplete/illegible information, they will have a delay in getting it resolved. It is also important that the user (if they have a restriction) use the cover sheet provided when sending the documentation over.
Facts:
-it has been reported the PayPal processes well over 100,000 transactions daily
-PayPal has a Satisfactory rating from the BBB
-PayPal's user base has been reported at over 15 million
-PayPal's user base has been reported at adding well over 10,000 daily
-PayPal's fraud rates have been reported at HALF of what online fraud rates are
-many of the problems attributed to PayPal are caused by other factors, such as a buyer filing a chargeback or seller not delivering product. These are essentially disputes between individuals...PayPal does not file Buyer Complaints for buyers having issues (the buyer would), nor do we file chargebacks with credit card companies(the credit card company sends us the chargeback and we process it back to the recipient).
While I will admit that some customer cases do fall through the cracks, I will also say that most don't. I am out here to help close cases that may have fit into that small minority.
posted on May 30, 2002 11:42:07 PM new
You might find that there are reasons why sometimes the same people post negative comments about PayPal. There generally are patterns to many of these restriction cases. For example, many users say they sent in the information, yet either nothing has been done for a considerable amount of time or PayPal just denies receiving the information. While obviously we don't have proof that the user did send in the information (except in one case recently I can remember) doesn't it seem a little bit odd that so many users have been reporting the same problem?
Another example is where PayPal restricts an account but lets money continue to come in, and doesn't investigate the restriction in a reasonable amount of time, so a lot of money comes in and the seller can't continue to keep shipping the goods. The seller therefore gets non-shipment of goods complaints, and after the complaints stack up PayPal will close their account and keep the money in there for six months.
When people see the same problems over and over again, the fact that the people who look at the boards (and see these problems all the time) complain makes some sense.
What you should do as a start to resolving these issues, is when an account is restricted, allow the user to select whether to allow payments to come in or reject all payments, and allow sellers to refund payments to buyers using the website (unless these features are already implemented; I wouldn't know because my account has never been restricted).
In addition, you should give users specific (and reasonable) timeframes as to when you will be done investigating, just like you do for claims of electronic transfer errors (45 days). And you should actually follow these timeframes.
If a user needs to send in information, you should have it so when they log onto their PayPal account it will tell them exactly what information they still need, and once you receive the documents, you should have it visible on their PayPal account what the new timeframe is for investigating with the new information.
Finally, you should fix your fax machine, as if restrictions are as rare as you say they are, you shouldn't have a problem with losing this much information faxed to you by your customers.
posted on May 31, 2002 09:36:29 AM new
Damon still hasn't answered my question about pass thru insurance.
My next question is prove that paypal has it. And I've got a darn good reason for asking it.
Next Damon I sent you and email last night with a suspect paypal site. If you haven't looked into it get it done now so if it is bogus people won't be scammed by it. Here's the site----http://www.tymglobal.com/laptop/
Facts:
-it has been reported the PayPal processes well over 100,000 transactions daily WHO'S DATA IS THAT--PAYPALS
-PayPal has a Satisfactory rating from the BBB PAYPALS RATING CHANGES LIKE THEIR TOS
-PayPal's user base has been reported at over 15 million ARE YOU STILL COUNTING MINE
-PayPal's user base has been reported at adding well over 10,000 daily mY LITTLE GROUP GOT 20 NEW DISSATISFIED CUSTOMERS TODAY http://groups.yahoo.com/group/nopal-paypal/
-PayPal's fraud rates have been reported at HALF of what online fraud rates are THAT MAKES PAYPAL FRAUD BIGGER THAN ANYONE ELSES
-many of the problems attributed to PayPal are caused by other factors, such as a buyer filing a chargeback or seller not delivering product. These are essentially disputes between individuals...PayPal does not file Buyer Complaints for buyers having issues (the buyer would), nor do we file chargebacks with credit card companies(the credit card company sends us the chargeback and we process it back to the recipient). THIS I WON'T DISCUSS BECAUSE OF YOUR COMPANIES PROTECTIVE ORDER
