Consumer complaint received 2016-10-29
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (FL)

A person who has purchased several of the exact same items from me on eBay opened a case about an item not arriving. The item was shipped with tracking and everything required to be covered by eBay 's seller policy. I contacted eBay, they ruled in my favor and closed the case XX/XX/XXXX. The buyer turned around and then said the item did arrive but was not as described, opening another case with eBay. I once again called eBay and they closed the case in my favor again XX/XX/XXXX. Both times the amount of the transaction was immediately taken from my paypal account. Despite being covered by both eBay and PayPal seller policies. Both eBay and PayPal had immediate access to the shipping label with tracking I printed through eBay, paid for via PayPal. For some reason the XXXX transaction did not get credited back to my account. I figured it was a simple error, and I sent PayPal an email saying the cases have been closed, there is no reason why the funds should not be credited back to my account XX/XX/XXXX. Instead of resolving the matter, I got a boilerplate frequently asked questions response to my email on XX/XX/XXXX. The entire day passed and I was sent other money. I logged into my paypal and noticed the funds still had not been credited back to my account. I proceeded to call PayPal. The first representative was not helpful, refused to call eBay, and transferred me to PayPal dispute. Despite the fact no dispute had ever been opened directly with PayPal. The another operator, XXXX # XXXX proceeded to explain to me various stuff and waste my time. A few times I was told the funds are still on hold because the case was closed. I requested they call eBay upwards of 3 times. They denied my request, and proceeded to waste my time. When I requested a supervisor I was put on hold, and then hung up on. I then noticed a credit to my account. This is ridiculous, and a financial transaction company should not make such mistakes, nor treat customers this way. eBay and PayPal are different companies now. The only time money should be taken from my PayPal account regarding an eBay transaction is when eBay has ruled against me. The present policy is that as soon as a case is opened, despite the seller being covered by seller protection by eBay and PayPal. PayPal immediate takes the funds from the sellers account. No matter if they are at fault or not. In both these situations as all thus far eBay has ruled in my favor. PayPal has never had justification to take money from me. I do not get interest on the funds while they are taken from me. I do not believe PayPal is immediately crediting the buyer and then taking the money from them if the case is not ruled in their favor. Thus Paypal is doing this to get money that is neither in the sellers or buyers account. This should not be legal. Furthermore when I have done nothing wrong and covered under both policies, I should not be subject to funds taken from my account. Just to be credited back. It might have made sense when they were XXXX company but they are XXXX. I seem to have no protection against my PayPal account. Anytime someone opens a dispute the money is taken, just to be given right back. It makes no sense what so ever.