Home > ebay sales decline > How can this be legal for Paypal?

How can this be legal for Paypal?

September 20th, 2012 Leave a comment Go to comments

I’m 20 years old and sold a few things on ebay recently.
I never received the funds however because I apparently owe Paypal money from 6 years ago.

When I was 14 I had a debit card. I wasn’t too responsible with it even though my mother worked at a bank.
I used this card to try to buy something on eBay. I figured it would work because I was 14.
Long story short the card was declined and no money was withdrawn from my account (other than the overdraft fee which I had just learned about as a result of the attempted transaction)
The account was closed because I clearly was too young to have one anyway.

Paypal said that the man that I bought the PS3 from 6 years ago had sent the merchandise yet I never received it.
14 year old me was accused for fraud because I had tried to buy something I didn’t have funds for.
I was just oblivious to how bank accounts and cards and everything worked so I hadn’t done any of this intentionally.
So Paypal payed the seller of the item and he never sent the item. I wasn’t aware of this at the time because, once again, I was 14 and I never checked my email so how was I to know I owed them money back then? Now its 6 years too late and they want me to pay $380. I never got the item so why should I pay them a dime?

Now in my recent sales (on a separate account)
Paypal held funds with no warning apparently they linked my two accounts.
The first one I created when I was 14. So how am I legally bound by whatever I may have accepted back then?
They won’t even let me contact the seller who stole the money and the item.
They won’t even contact him. They fronted him the money he didn’t even deserve because he never sent anything. Now I’m out cash because they think I owe them.

Is there any way to stick it to paypal and appeal this? Or do I have to let myself be scammed?
I did give them a real card number. I didn’t knowingly ignore emails saying I needed to pay them. There is no notifier of if the recipient actually read an email someone else had sent. They just sent emails to my spam/website login address. I had no reason to check those.

I ONLY lied about being 18. I wasn’t 18 and therefore not bound by their contract.
I figured that I never received the item because I didn’t pay for it. That only makes sense.

The only way around getting use out of paypal without paying is using a false name but I’m pretty sure that is illegal.

This one is tricky, you made a purchase but your card was declined. Paypal didn’t decline your card, your bank did. So, Paypal is not at fault on that one.

Paypal guarantees a sale and the funds, which is why they were required to still pay the sender. You could have contested at that time that you never received the item, but you were too ignorant to check your email (which is a lie, you saw those emails and decided not to follow up).

You do owe Paypal money, regardless of whether the item was actually sent. Go back and read the Paypal contract.

You aren’t getting scammed. You tried to scam Paypal (albeit, 6 years ago and as a minor) and now they are getting payback. Debts cannot be collected after 7 years (similar to statute of limitations) in most jurisdictions. If you would have waited another year, you might have been fine.

  1. The Dez Pirate
    September 21st, 2012 at 04:58 | #1

    This does seem like paypals problem. Once they found out you were underage they should have told the seller that the transaction was void. It would then be the sellers duty to recoup fees from ebay.

    you cant place debt on anyone under the age of 18. They didnt send it to collection agency, so that might change things.
    References :

  2. Casey Y
    September 21st, 2012 at 05:08 | #2

    This one is tricky, you made a purchase but your card was declined. Paypal didn’t decline your card, your bank did. So, Paypal is not at fault on that one.

    Paypal guarantees a sale and the funds, which is why they were required to still pay the sender. You could have contested at that time that you never received the item, but you were too ignorant to check your email (which is a lie, you saw those emails and decided not to follow up).

    You do owe Paypal money, regardless of whether the item was actually sent. Go back and read the Paypal contract.

    You aren’t getting scammed. You tried to scam Paypal (albeit, 6 years ago and as a minor) and now they are getting payback. Debts cannot be collected after 7 years (similar to statute of limitations) in most jurisdictions. If you would have waited another year, you might have been fine.
    References :

  3. Quick Answers
    September 21st, 2012 at 05:58 | #3

    Excuses, excuses, excuses.

    You are the scammer in this story.

    You lied and said you were 18.
    You lied and said you were giving them a real credit card number (so they paid the seller).
    When the card was declined, you ignored all emails. Had you bothered to tell Paypal there was a problem 6 years ago, they could have gotten the money back from the seller (and he in turn could have turning in an insurance claim with the carrier). Since they didn’t, they want the money from you.

    You have two choices. Go back to mom and say, hey, when I was underage and you were in charge of everything I was doing, I essentially stole $xxx and they want you to pay them back. Or you suck it up and pay it yourself now.

    As for the frozen account, well duh. They figured out it was you. Once you abandoned the original account and it wasn’t in good standing, you weren’t allowed to open another one. But you did.
    References :

  4. STEVEN F
    September 21st, 2012 at 06:11 | #4

    I never received the funds however because I apparently owe Paypal money from 6 years ago.

    EVERY agreement you have EVER had with ANY financial institution includes terms the EXPLICITLY state that if you own the company money, they can take any funds on deposit with them to settle the debt. This is not only 100% legal, it is COMMON SENSE.

    You can TRY to dispute the debt, but you have ZERO legal or rational grounds to dispute the method of collection.
    Note: Not receiving the item is a dispute with the seller, NOT with PayPal.
    References :

  1. No trackbacks yet.