[SERIOUS] Suing Paypal [/SERIOUS]

[Lord Orwell]

Oh! I was thinking about selling something in Ebay. But I am not gonna do that anymore....

Recently, I bought a "John Cena wrist and head band" from an US seller in E-bay, for about 18$, for my brother - he's a crazy JohnCena fan
It is expected to reach here in a week or more (before the end of May).

I think, E-bay won't take money from buyers, as fees. Only sellers have to bear the pain...

this is correct. They take listing fees (which may not exist for a particular listing but add-ons add up: my listing above had a caption and large photo) and a percentage of final selling price. If you set a reserve there is a fee associated with that as well.

[akhileshbc]

this is correct. They take listing fees (which may not exist for a particular listing but add-ons add up: my listing above had a caption and large photo) and a percentage of final selling price. If you set a reserve there is a fee associated with that as well.

Thanks for the information pal...

[akhileshbc]

Hi...

I got my money from PayPal
After 2 days (from the date of withdrawal), I got the money deposited by PayPal.
Amount = 160$ (7051 Rs.)

But the problem is, I can't add money from bank to PayPal ("adding funds" in PayPal account). I asked about this via mail.

Reply from paypal:

Dear Akhilesh B Chandran,

Thank you for contacting PayPal, my name is Paulina and I am happy to
assist you today.

Your unconfirmed bank account ending with 1714
has been included in the Funding Options to remind you that it will be
available for you to use once you complete the confirmation process. To
confirm your bank account, log in to your account, click the "Profile"
subtab, and click the "Bank Accounts" link. Choose the bank account you
wish to confirm and click "Confirm." Follow the steps to complete the
bank confirmation process.

When you confirm your bank account, you'll improve your PayPal
reputation by becoming Verified, lift your Sending Limit, and will be
able to use your bank account to send payments instantly.

Once you are able to use your bank account, you'll see just how easy it
can be.

PayPal accounts are either verified or unverified. Getting verified
increases the security of the PayPal network and gives you access to
more PayPal features and services.
* Verified users have given PayPal additional evidence of their
identity by confirming a bank account. Users may also apply for a PayPal
Plus Credit Card or PayPal Buyer Credit. If a user is approved for
either of these, the user's account is automatically brought to
"verified" status.
* Unverified members have not taken additional steps to help confirm
their identity.
Once you're verified:
* We lift your sending limits.
* You can send payments using your bank account.
* You gain increased credibility with sellers and buyers.
To learn more, log in to your account and click the "Get Verified" link
in Status field below your name.



I hope this information to be helpful.

Have a good day!!

Sincerely,
Paulina
PayPal, an eBay Company

Copyright © 1999-2010 PayPal. All rights reserved.
Consumer advisory - PayPal Pte. Ltd., the holder of PayPal's stored
value facility, does not require the approval of the Monetary Authority
of Singapore. Users are advised to read the terms and conditions
carefully.

Original Message Follows:
------------------------
Form Message
customer subject: How can I get money from my Bank ?
customer message: Additional Information: 'How can I add money from my
Bank account to Paypal account ?'

Dear Akhilesh B Chandran,

Thank you for contacting PayPal with your concern.

You can add and confirm your Indian bank account for Verification
purposes only. Since your Indian bank account is denominated in INR
currency, PayPal cannot support add fund transactions with your bank
account at this time.

Thank you.

Sincerely,
Miguel
PayPal, an eBay Company

Copyright © 1999-2010 PayPal. All rights reserved.
Consumer advisory - PayPal Pte. Ltd., the holder of PayPal's stored
value facility, does not require the approval of the Monetary Authority
of Singapore. Users are advised to read the terms and conditions
carefully.

Original Message Follows:
------------------------
Form Message
customer subject: How to add money from bank?
customer message: Case or claim or dispute ID: 'KMM#########I##L#KM'
Additional Information: 'But my bank is verified ! And the status on my
account is "Verified" !
I have already applied for a withdrawal of ###$ to my Bank !
The limits in my account is also removed upon verification !

Then, what's the problem ?'

Hello Akhilesh B Chandran,

My name is Miguel, and I will be happy to assist you with your question
regarding your question of how to add funds to your account.


You may fund your Pay Pal account and send payments to anyone with an
email address using the following methods:

Account funding options:
* Transfer funds from your U.S. bank account to your Pay Pal
balance.
* Money takes 3-4 business days to show up in your account.
* The estimated clearing date is listed on the transaction details
page.
Payment funding sources

Pay Pal balance:
* Transfer occurs immediately.
* Your Pay Pal balance is used first when you send money.
* When your balance is insufficient, the funding source may default
to another currency balance depending on the funds available.
* If your payment is sent from a currency balance that is not open,
the payment is funded with a linked bank account or credit card.
Pay Pal Plus Credit Card, eBay MasterCard, or Pay Pal Buyer Credit:
* Once you are approved, it is automatically linked to your Pay Pal
account.
* Transfer occurs immediately.
* Can be selected as your preferred funding source for future
purchases.
Instant Transfer:
* A transfer from your linked bank account.
* Transfer occurs immediately.
* You must have a credit card and a confirmed bank account on file
with Pay Pal.
eCheck:
* Payment takes 3-4 business days to complete - estimated clearing
date is listed on the Transaction Details page.
* The funds are deducted from your bank account immediately.
Credit card:
* Transfer occurs immediately.
* If the amount in your balance is sufficient to fund the entire
payment, your credit card will not be available as a funding source.
*Some accounts, at Pay Pal’s discretion, may have a lower limit until
becoming verified. To view any account limits, click "View Limits" on
Account Overview page.
Verified. To view any account limits, click "View Limits" on Account
Overview page.

Note:
* All limits are denominated in your primary currency. If you change
your primary currency, your limits will be displayed in the new
currency.
* Holidays and weekends are not recognized as business days for most
banking facilities, which may delay your banking transactions.
* Once a payment has been sent, it is not possible to alter the
payment method. You can view the payment method sent by viewing the
transactions details page of the transaction.

If you don't have a bank account or credit card linked to your Pay Pal
account, you can add them.

Now, to add funds from bank account or credit or debit card:

Here's how to add a bank account to your Pay Pal account:
1. Log in to your Pay Pal account.
2. Click "Profile."
3. Click "Bank Accounts" under Financial Information.
4. Click "Add."
5. Enter the required information and click "Add Bank Account."
Here's how to link a debit or credit card to your Pay Pal account:
1. Log in to your Pay Pal account.
2. Click "Profile" at the top of the page.
3. Click "Credit/Debit Cards" under Financial Information.
4. Click "Add a card."
5. Enter the information requested, including your card number
(without spaces or dashes).
6. Enter the Card Verification Number from the back of your card.
7. Enter the address where you receive the billing statements for
your card.
8. Click "Add Card."
Here’s how to change the way you pay for your Automatic Payment.
1. Log in to your Pay Pal account.
2. Click "Profile" at the top of the page.
3. Click "My Preapproved payments" in the Financial Information
column.
4. Click the merchant name.
5. Click "Change" next to the backup funding source.
6. Choose the funding option and click "Save."

Don't forget, we're always around if you need us. Just click "Help" in
the top right corner of any Pay Pal page to visit our improved Help
Center.

Sincerely,
Miguel
Pay Pal, an eBay Company

Copyright © 1999-2010 Pay Pal. All rights reserved.
Consumer advisory - Pay Pal Pte. Ltd., the holder of Pay Pal’s stored
value facility, does not require the approval of the Monetary Authority
of Singapore. Users are advised to read the terms and conditions
carefully.

Original Message Follows:
------------------------
Form Message
customer subject: What's the solution ?
customer message: Case or claim or dispute ID: 'KMM#########I##L#KM'
Additional Information: 'So, what's the solution for my question ?

I mean, if I want to add funds to Paypal, from my bank, what do I have
to ?
Or, if I want to make payments, what should I have to do ? Because, my
paypal account does not have sufficient balance. Without transferring
money from my bank account, how can I make payments through my PayPal ?

I don't have a Credit Card !'

[akhileshbc]

Dear Akhilesh B Chandran,

Thank you for contacting PayPal.

At this time, PayPal does not have the capabilities to add funds to your
PayPal account from your local bank account. You can only withdraw funds
from your PayPal account to your local bank account.

We will continue to expand our bank transfer capabilities in the future,
but due to the complexities of global finance we cannot give a timetable
for this possible expansion. PayPal is constantly working to improve our
product and services for our customers. Please continue to watch our
website for future changes and updates to our service.

Thank you for giving us the opportunity to be of service and for
choosing PayPal for your online payment needs. We value your business
and we look forward to further strengthening your customer satisfaction.
For further assistance, you may also call us at 1-402-935-2080.

Sincerely,
Jinky
PayPal, an eBay Company

Copyright© 2010 PayPal Inc. All rights reserved.

Consumer advisory: PayPal Pte Ltd, the Holder of the PayPal™ payment
service stored value facility, does not require the approval of the
Monetary Authority of Singapore. Consumers (users) are advised to read
the terms and conditions carefully.

Got more questions? You'll find answers at our improved help center.
Click "Help" on the top right corner of any PayPal page to get started
or you can visit www.PayPal.com/101.

Original Message Follows:
------------------------
Form Message
customer subject: Your answers are not clear !
customer message: Case or claim or dispute ID: 'KMM#########I##L#KM'
Additional Information: 'It's not clear to me !

When i click the "Add Funds" option in my account, the following message
is displayed and there's nothing else:

"Add Funds Is Not Available

PayPal does not currently offer the ability to add funds from your bank
account.

When you make a payment, PayPal charges the buyer's credit card and
instantly credits the seller's PayPal account."
So, what shall I do now ?'

....

[baja_yu]

In my country we can't even register for an account. Maybe try MoneyBookers.

[akhileshbc]

Thanks baja...

I will check that...

[Lord Orwell]

have you tried adding a bank debit card (with visa or mastercard logo) to paypal? That would be a workaround.

[akhileshbc]

I have tried adding my UCO BANK's Debit (ATM) card (VISA). And it shows this error message:

This credit card has been refused by the bank that issued your credit card. For details on why your card was refused, please contact your credit card issuer's Customer Service department. Or, you may want to try adding a different credit card.

...

[Siddharth Rout]

Today I finally got a credit card but still unable to link my credit card... I have sent an email to them... Let's see the reply...

Attached is the screenshot...

[akhileshbc]

Good luck...

How much did it cost for the Credit Card ? I mean, I would like to get one. So, I need to know the fees, etc.

[Siddharth Rout]

Good luck...

How much did it cost for the Credit Card ? I mean, I would like to get one. So, I need to know the fees, etc.

Rs 1500 Annual Fee

[akhileshbc]

Rs 1500 Annual Fee

(eyes out)

Hmm.. I think, I should leave that option and continue what I'm doing now...

Thanks for the info....

[Pradeep1210]

Rs 1500 Annual Fee

I think these days all banks are giving credit cards without any annual fees. Check this out from your bank.

I have two credit cards - one from ICICI bank and other from SBI bank. Both don't don't charge any annual fee.

[akhileshbc]

I think these days all banks are giving credit cards without any annual fees. Check this out from your bank.

I have two credit cards - one from ICICI bank and other from SBI bank. Both don't don't charge any annual fee.

Does it have any other fees ? Like transaction fees, withdrawal fees, etc. ? Or, completely free ?

[NeedSomeAnswers]

Or, completely free ?

We are talking about a Credit Card here, it is never completely free !

[akhileshbc]

We are talking about a Credit Card here, it is never completely free !

Sorry, I don't know much about Credit Cards. That's why I asked.

[Pradeep1210]

Does it have any other fees ? Like transaction fees, withdrawal fees, etc. ? Or, completely free ?

No, I don't need to pay any other charges. I pay only the amount I buy anything from it.

[Lord Orwell]

i dont understand why they won't issue you a paypal debit. I can get my money directly from that, and i do NOT have a backup funding source on it. It is paypal only.

[akhileshbc]

No, I don't need to pay any other charges. I pay only the amount I buy anything from it.

Thanks... That seems to be good. I will try to apply for one..

i dont understand why they won't issue you a paypal debit. I can get my money directly from that, and i do NOT have a backup funding source on it. It is paypal only.

I think, our banks deals with Rupees, as the primary one. So, currency conversion may be needed to add funds from bank to PayPal. That may be the reason !

[Lord Orwell]

well as long as you have an actual card, a lot of people on paypal accept credit cards as well.

[Siddharth Rout]

Just an update...

No reply from them yet...

[akhileshbc]

Just an update...

No reply from them yet...

Don't worry.