Quote:
Originally Posted by CoogarXR
Let me tell you how the paypal balance thing works. I keep a zero paypal balance. I had a frivolous claim opened against me. When a claim gets opened, ebay (I'm sorry "paypal", same difference) puts a hold on that amount. If your balance is zero, it just goes negative, and they send you threatening emails; "your account has a negative balance, please add funds". I think there was some verbage about sending to a collections agency after a while. This was about 5 years ago. They do not automatically take from the attached account. I just let it sit negative until the case was ultimately resolved in my favor.
A little background on the case, for those who might care: I sold a power supply for a phone system for $400. It was a working pull, fully tested by me, and pictured as tested with a meter showing outputs. The guy gets it, installs it in a shorted system and it won't power up (it has a self-test, and won't power up if its outputs are shorted). He wouldn't believe me, said it was DOA, and demanded his system was fine. I told him some basic things to try, but he refused. After a week, what do you know, the case was closed and I got left a positive feedback with no explanation. I guess he figured out I was right, lol.
|
That is not my experience. Maybe it was before Ebay fully bought up PP. It was so long ago I can't remember the exact details...I list motorcycle engine as NON working parts/needs disassembly, buyer buys it cheap ($180), buyer decides I didn't describe it as parts. Buyer files claim and uses his credit union to reverse charges(Paypal won't even fight this scenario, they automatically side with buyer and don't do "As-IS"). funds taken direct from bank account via debit card attached to PP, bounce charges...Ebay and paypal steal my engine, my shipping cost, and the bank sticks me with compounding bounces charges if I don't pay up.
So maybe that's not directly attaching an account because CC company was involved backed by weight of credit union...but in action it's similar. Having zero PP balance doesn't help.
Your situation the buyer probably paid from PP balance, thus no immediate action against your CC or debit card you attached. Just negative PP balance.
I don't know because i haven't sold on fleabay for a long time, but
nowadays , they may have better safeguards like making sure the buyer actually returns the item, but that didn't used to be the case.