WARNING about PAYPAL - REQUEST for HELP/ADVICE

[RockHard]

Readers beware: some advice on internet boards is AWFUL.

 

they froze his account because he was out of state and spending that amount...

Stolen credit cards and stolen I.D.'s are on the rise. Every smart traveler knows to call his bank before leaving on a trip to inform the bank of the dates of travel and the countries where the card might be used. Customers who hold "instant loan" cards have a responsibility to protect not only themselves but the loaning party as well. I'm grateful when my credit card company is watching out for fraud. I know people who have gone through years of hell because their identity (and credit rating) got stolen and abused.

 

I would be calling and asking to speak to supervisors, presidents, CEO's...fuck all! In this men4rent issue I posted in the other section, I had told one of the reps that "Your CCbill company is a piece of shit company that doesn't give a fuck about the customers, PUT YOUR SUPERVISOR ON THE PHONE BITCH!"

Common sense, good manners, and some honest decency tells me this is no way to speak to representatives of a company that loans you money. It seems to me, the credit bubble of the last 10 years has turned a lot of arrogant fucks into entitlement queens. Being eligible for a loan doesn't give you the right to play arrogant prick or King Henry VIII. Frankly, if you can't afford to pay cash, you probably don't own the crown you pretend to wear or the gilded throne you pretend to sit your fat ass upon.

 

I'm not defending bad or incompetent service. Human beings are prone to make mistakes. Plus, I'm fully aware that some people have made banks the enemy these days, regardless of their own brainless culpability.

 

Belligerent people who cuss at other people when things don't go their way are mostly rude, selfish, arrogant pricks. They choose an ignorant way to vent their frustration and they're too stupid to know there's a smarter, more effective way to get great service.

 

The convenience of owning a credit card that offers an instant loan is not a God-given right. Unfortunately, too many people these days think they deserve instant money simply because they're capable of a grandiose hissy-fit.

[instudiocity]

Stolen credit cards and stolen I.D.'s are on the rise. Every smart traveler knows to call his bank before leaving on a trip to inform the bank of the dates of travel and the countries where the card might be used. Customers who hold "instant loan" cards have a responsibility to protect not only themselves but the loaning party as well. I'm grateful when my credit card company is watching out for fraud. I know people who have gone through years of hell because their identity (and credit rating) got stolen and abused.

 

So when Chase Bank lets someone in Georgia charge $100, $100, $100, $100 and $106.94 within 3 minutes while I was using my ATM card in California at the exact same minute, I shouldn't be upset! When the bank disallowed a $7 charge for my drink on a flight to CA from GA, they are just being careful. According to you I have no reason to be upset with them?

 

When they email me a website to 'report' the $506.94 fraud and confirm that my fraud report is accepted, they snail mail me on Friday, December 23, that they didn't get the report and they were taking the $506.94 back out of my account. Phones and Internet are perfect for the bank to document the fraud and expedite returning my funds. But because they lost the electronic document and since they had determined I was in GA and CA at the very same time, they can snail mail me a letter saying they were taking the money back on 12/31/10. So WHILE I was on vacation, they lowered my available funds by $506.94, because they are incompetent. But I shouldn't be upset with Chase Bank.

 

Common sense, good manners, and some honest decency tells me this is no way to speak to representatives of a company that loans you money. It seems to me, the credit bubble of the last 10 years has turned a lot of arrogant fucks into entitlement queens. Being eligible for a loan doesn't give you the right to play arrogant prick or King Henry VIII. Frankly, if you can't afford to pay cash, you probably don't own the crown you pretend to wear or the gilded throne you pretend to sit your fat ass upon.

 

I'm not defending bad or incompetent service. Human beings are prone to make mistakes. Plus, I'm fully aware that some people have made banks the enemy these days, regardless of their own brainless culpability.

 

Belligerent people who cuss at other people when things don't go their way are mostly rude, selfish, arrogant pricks. They choose an ignorant way to vent their frustration and they're too stupid to know there's a smarter, more effective way to get great service.

 

The convenience of owning a credit card that offers an instant loan is not a God-given right. Unfortunately, too many people these days think they deserve instant money simply because they're capable of a grandiose hissy-fit.

 

WHOA, TALKING ABOUT THE POT CALLING THE KETTLE BLACK... do you read what you post on this site? Most of it is at a minimum condescending, easily belligerent, and sometimes quite arrogant.

[Mocha]

Common sense, good manners, and some honest decency tells me this is no way to speak to representatives of a company that loans you money. It seems to me, the credit bubble of the last 10 years has turned a lot of arrogant fucks into entitlement queens. Being eligible for a loan doesn't give you the right to play arrogant prick or King Henry VIII. Frankly, if you can't afford to pay cash, you probably don't own the crown you pretend to wear or the gilded throne you pretend to sit your fat ass upon.

.

 

What the fuck are you talking about? CCBill does not loan any money. This has nothing to do with credit cards. As for paying cash, I don't know any other way.

 

I do not believe every representative deserves to be cursed at, but specifically dealing with CCbill turns into a hassle everytime. They talk down to me, are stubborn as hell and yes the better way to deal with it is speak to their supervisor, but twice when I've called them they've pushed the last button and I had to curse them out in order to have them transfer me to their supervisor because speaking softly and nicely about it didn't do the trick.

 

I'm saying sometimes you need to amp up the tone with these companies. Sometimes customer service reps think they are the boss sitting up a a throne, and sometimes things need to be said to make them realize they aren't and to transfer me to someone who is. Simple as that.

[RockHard]

Silly fool.

 

According to you I have no reason to be upset with them?

No. It seems your warped imagination or poor reading comprehension allowed you to come to that conclusion.

 

do you read what you post on this site?

My reading comprehension skills are just fine. I cannot say the same for yours.

 

Most of it (what you write) is at a minimum condescending, easily belligerent, and sometimes quite arrogant.

Then why on earth do you read what I write? Why do you take one minute out of your life to respond to my posts? You silly fool.

[RockHard]

CCBill does not loan any money.

Neither does PayPal.

 

Frankly, I have no idea what CCBill refers to in your post, and nor do I care. Swearing at customer service representatives is rude, arrogant, and illustrates a large degree of ignorance. Swearing is the fastest way to show you've lost control in a discussion, and that, quite possibly, you're just another out-of-control idiot in the marketplace.

 

I'm saying sometimes you need to amp up the tone with these companies.

You were advocating and recommending cussing people out, people who probably bear no responsibility to what went wrong in the first place. Obviously, you never worked in customer service.

 

If you are smarter than the average bear, all you need is a decent, active brain, intelligent words, and a reasonable personality to resolve any human mishap in customer service. Having compassion and patience helps, too.

[Toulouse]

Wow. I had no idea until reading this thread that PayPal is associated with LDS. Never again will PayPal (or the Mormons) profit from my using their services. I appreciate the heads-up.

[instudiocity]

Why do you take one minute out of your life to respond to my posts?

 

No. It seems your warped imagination or poor reading comprehension allowed you to come to that conclusion.

 

My reading comprehension skills are just fine. I cannot say the same for yours.

It's not your comprehension skill that I doubt, it's your ability to write/speak/communicate in a fashion that isn't condescending, judgmental, and screams how superior you are to the rest of us.

 

Then why on earth do you read what I write? Why do you take one minute out of your life to respond to my posts? You silly fool.

Someone's got to call you on your bullying. You bully people telling them, first, how smart you are, and second, how dumb they are. Your writing communicates your superior attitude telling the readers how poor everything about them is. Then you piss yourself when someone calls you on it. You are a bully. I don't like bullys, but I will not be cowed...

 

One last thought, Please note that it was the person of SUPERIOR COMMUNICATION SKILLS who resorted to name calling the person whom supposedly has the inferior skills ... most specifically when Mr. Rockhard called ISC, "silly fool"

[instudiocity]

Swearing is the fastest way to show you've lost control in a discussion, and that, quite possibly, you're just another out-of-control idiot in the marketplace.

 

You were advocating and recommending cussing people out, people who probably bear no responsibility to what went wrong in the first place. Obviously, you never worked in customer service.

 

If you are smarter than the average bear, all you need is a decent, active brain, intelligent words, and a reasonable personality to resolve any human mishap in customer service. Having compassion and patience helps, too.

 

Where would you put name-calling (Silly Fool?) in your list of ways to demonstrate you've lost control in a discussion and that, quite possibly, you're just another out-of-control idiot in the marketplace?

 

Silly Fool? Idiot? Both while not profane per se, are still no shining moments in your writing... your declaratory sentences are still put downs. Your posts on this thread are a college course in how not to talk to customer service. You're talking down to Mocha in this very thread - and you can't even see it!

 

IF? you are smarter than the average bear - good Yogi Bear ad lib... Why not say, 'Be smarter than the average bear'?

 

And finally, can you give me an example of 'intelligent words'?

[instudiocity]

I'm not sure any of this PayPal/eBay LDS church connection is correct.

 

PayPal is a wholly-owned subsidiary of eBay today. It was sold to eBay by the founders.

 

eBay was started by an French-born Iranian-American. While I don't know his religion but Mormon seems a stretch.

[Diverdan]

Hey Dave,

Sorry about your difficulties, and hope they make it right for you. I never use PayPal or eBay for a variety of reasons, so have never had that problem.

With regard to Verizon, I am surprised. I used to travel to Canada and Internationally a lot, and have always had wonderful service from Verizon. I have a global phone with the proper SIM card in it. I simply call Verizon in advance to let them know when and where I will be traveling. They "turn on" the card, and I get billed for that time as part of my regular monthly allowance. The same holds true for my Verizon wireless device for my computer. I have used that in Canada and internationally as well, and again a quick call to Verizon in advance has prevented me from having any difficulties. I have found that sometimes the person I first get on my call to Verizon has to transfer me to an "international desk", but in talking with colleagues, I always seem to have better reception and less difficulty with my computer wireless access than they do with other carriers. I hope this gets worked out for you too. Keep the faith, and I agree with you that you are a "better lover than a fighter"

`!!!!!

[RockHard]

Good grief.

 

You're talking down to Mocha in this very thread - and you can't even see it!

Mocha who?

 

A little birdie just told me not to feed the troll.

 

I'm sorry, but, a queen who can't tell the difference between a credit card customer service rep and some anonymous poster on an internet escort board, who sees herself as Sister Aloysius, is a silly fool.

 

Biatch, get a new dress, get a life, and yes I'm talkin' down to you.

[instudiocity]

Mocha who?

 

A little birdie just told me not to feed the troll.

 

I'm sorry, but, a queen who can't tell the difference between a credit card customer service rep and some anonymous poster on an internet escort board, who sees herself as Sister Aloysius, is a silly fool.

 

Biatch, get a new dress, get a life, and yes I'm talkin' down to you.

 

Thank you, you've proven not only my points but also that you are no where near the very thing for which you so aggressively argue. You are quite simply judgmental, arrogant, unteachable and unable to think critically. Oh, yes, you are critical, massively so, but you aren't a critical thinker. When challenged, you resort to name-calling. I shan't get in your gutter with you but simply point out that you, sir, are a gutter creature, base, miserable, arrogant and unable to recognize your own falling shorts.

[Dave]

why is it that the forum can be so helpful sometimes, and so, uh, sickening at others?

 

this is why i am leaving the forum for a while. again.

anyone who cares to communicate with me, please do so by email. i am unsubscribing from this thread.

[gp0560]

unable to recognize your own falling shorts.

 

And yet, there they are, down around your ankles.

[Rick Munroe]

And yet, there they are, down around your ankles.

 

Leave it to Jerry.

[Dave]

as some of you know, i usually like getting fucked. but this time - well, honestly, it just didnt feel so good. read on for the update from the paypal saga...

 

___________________

 

Paypal to me:

 

My name is Rebecca and I work in PayPal's office of Executive Escalations. Your concerns were recently forwarded to our office for review. Please allow me to offer clarification of your issue.

 

As part of our security measures, we regularly screen activity in the PayPal system. During a recent screening of your PayPal account registered with the email address dave###.###.####@gmail.com, we identified several payments you had received as being in violation of PayPal's Acceptable Use Policy; specifically, those received from services advertised on the website http://daveinfo.blogspot.com. As such, we determined it is in both parties best interest to discontinue our business relationship.

 

The PayPal User Agreement, to which you indicated that you read and agreed to when you created your PayPal account, states that PayPal, at its sole discretion, reserves the right to limit an Account for any violation of the User Agreement, including the Acceptable Use Policy.

Under the Acceptable Use Policy, PayPal may not be used to send or receive payments for certain sexually oriented materials or services.

 

Although I understand your current balance consists of payments recently received from sources other than http://daveinfo.blogspot.com, you sent an Account balance funded payment of $#### USD to a merchant on March #, ####. At that time, your balance consisted of funds that are

still subject to reversal by the sender's financial institution. Accordingly, all funds in your account will be held for ### days to prevent against potential loss should we receive chargeback’s or other reversals against payments we processed on your behalf. Please be aware that should any complaint or reversals arise during the ### days, the funds will be deducted from your balance. Again, this is in accordance with the terms of our User Agreement, which you indicated you had reviewed and agreed to when you created your Account on December ##, ####.

 

At the end of the ### day period, we will contact you, via email, to arrange the return of any remaining balance. Alternately, you may provide us with a list of customers you may wish to have refunded, and we will be happy to issue those refunds on your behalf.

 

Although we deeply regret that you may feel the need to escalate this issue further, as an ethical company, providing a valuable service, and operating in accordance with all applicable laws as well as the terms of our User Agreement, we will certainly respond to any inquiry you may feel the need to make regarding this matter.

 

Please accept my apology for any confusion resulting from this situation. If you have any additional questions, you may contact the PayPal Brand Risk Management Department at aup@paypal.com.

 

Sincerely,

Rebecca

Executive Escalations

PayPal, an eBay Company

 

___________________

 

I wrote back to Paypal:

 

Attention:

Rebecca

Executive Escalations

 

Thank you for your email response.

 

I would like to know how exactly you are basing your findings from your statement: "...we identified several payments you had received as being in violation of PayPal's Acceptable Use Policy; specifically, those received from services advertised on the website http://daveinfo.blogspot.com"

 

 

Furthermore, I am unclear about your statement regarding the $### charge, specifically "funds that are still subject to reversal by the sender's financial institution." I had a simple transaction: I was in Miami recently, and stayed in the Whitelaw Hotel for my accommodations. I paid the fee for the accommodations up front through Paypal. No one at the Whitelaw Hotel can dispute the fact that I paid the fee and that I stayed in the hotel. If necessary I can verify that for you, and also confirm (if you feel it is necessary) that the charge will not be reversed.

 

Finally, I would appreciate a direct email address from you so that I may continue to communicate with you, and not have my emails answered by a fourth person.

 

___________________

 

Paypal emailed me back:

 

Thank you for contacting PayPal.

 

We apologize for any frustration this matter has caused, however you

will not be allowed an appeal and as previously stated your funds will

be held for ### days.

 

Sincerely,

Amy

PayPal, Brand Risk Management

PayPal, an eBay Company

 

___________________

 

and the next day, i got this email from Paypal, too:

 

Thank you for taking the time to contact PayPal's Brand Risk Management

Department regarding your concerns.

 

The PayPal Brand Risk Management Department employs a variety of methods, techniques, and tools when conducting investigations on suspected violations of the policy. These methodologies are proprietary to the company; the divulgement of which cannot be disclosed as it would result in a less effective approach of discovering those violations.

 

Information that may be provided through external sources cannot be

divulged as being covered under our Privacy Policy. This information

may also be used as a determining factor to a lesser extent. To view

PayPal’s Privacy Policy please use the following URL:

https://www.paypal.com/privacy.

 

While we certainly understand your frustration regarding this matter,

please rest assured and realize that the PayPal Brand Risk Management

Department is a well trained and qualified group of individuals who

approach their work with the utmost of concern, consideration, and

discretion.

 

As for the funds, they will remain on hold for a time frame of 180 days

from April 2, 2011. Per the User Agreement, when PayPal permanently

limits an account due to an Acceptable Use Policy violation, we may hold

your funds up to 180 days. Once the 180-day timeframe has elapsed,

PayPal will release any remaining balance either via bank transfer or

issuance of a check.

 

The relevant section of the User Agreement (10.4) can be found at the

following URL:

 

https://cms.paypal.com/us/cgi-bin/?cmd=_render-content&content_ID=ua/Use rAgreement_full&locale.x=en_US

 

If you should have any other questions, please contact the PayPal Brand

Risk Management Department at aup@paypal.com.

 

Sincerely,

Sofia

PayPal, Brand Risk Management

PayPal, an eBay Company

 

___________________

 

so there you go. the way i see it, this is one more reason why sex work should be legalized - so that discrimination like the above can no longer exist!

 

again, thanks men, for your help / advice / expressions of empathy. i am not interested in spending any more time with this bullshit; i have people to see! so just to be clear, i will not be following up with paypal on this.

one has to keep one’s priorities in focus, and manage time effectively.

 

and one more thing, i am remaining "unsubscribed" from this thread - just wanted to give those who were interested the update on this. hope you guys understand my decision. as before, if anyone wants to communicate with me on this or anything else, feel free to hit me up via email.

[MsGuy]

"Sincerely,

Rebecca

Executive Escalations

PayPal, an eBay Company"

 

LOL, "Executive Escalations", you got to be kidding me, that's really a title??

[RockHard]

A decent corporate response.

 

this is one more reason why sex work should be legalized

Well, I'm all for that, and certain drugs, too. But good luck convincing the conservatives who vote on these controversial issues. The subject is cause for instant hysteria.

 

"The PayPal User Agreement, to which you indicated that you read and agreed to when you created your PayPal account...PayPal may not be used to send or receive payments for certain sexually oriented materials or services...At that time, your balance consisted of funds that are still subject to reversal by the sender's financial institution."

Many people don't ever read user agreements. It seems as though you failed to read yours or you blatantly chose to ignore it.

 

User agreements are never fun to read but the information is often eye-opening and necessary if you want to avoid serious inconvenience or possible future litigation. (PayPal's "money freeze/subject to reversal" policy is a must read.) I always recommend to friends and employees: READ the User Agreement if it has anything to do with money and/or the security of your business.

 

It seems to me, a simple visit to http://daveinfo.blogspot.com leaves little doubt that you offer "sexually oriented services." If the photos weren't enough, there's the writing:

 

"my cock is 7” and thick. i am circumcised. i am lucky to have big, naturally low hanging balls, that are very flexible...i am bisexual, 50/50, 'right down the middle.' i don't lean one way or the other... i love getting naked with men and women equally...you should know that i am very open, i am very flexible, very versatile, and very adventurous."

 

It looks to me like PayPal handled your situation quite professionally. Hopefully, you've learned something here. I appreciate your post because others can learn from it, too.