Consumer complaint received 2017-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (MA)

This is the complaint against unfair, deceptive, or abusive practices committed by the  XXXX  buy er (   XXXX  ID : chas_step, email :  XXXX  XXXX  XXXX   )  who, I believe, is running a scam of fraudulent chargebacks, against  PayPal  and the buyers Credit Card company involved in this scam.   On  XXXX   XXXX ,  2017 , I placed a brand new item for sale at  XXXX  website. The following is a link to the item :   XXXX   XXXX   XXXX   XXXX   ( transaction ID :  XXXX  ). The item was described as brand new in box boots size  XXXX  that I copied from the manufactures website. It was sold to  XXXX   XXXX  on  XXXX   XXXX ,    2017  (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX  XXXX  XXXX   ). I b elieve that her real name is  XXXX   XXXX  who lives at  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , FL. Furthermore, in her emails to me she also impersonated herself as a child.   The buyer sent me  16 em ail via  XXXX . All correspondence is stored at  XXXX . She receive the item on  XXXX   XXXX ,    2017  and sent me the following email : Hi. I just recieved the boots and they are beautiful. I am sure your going to say no but the boots do not fit. I must need a size  XXXX  I am always a  XXXX  so I do n't get how they ca n't fit me. I havent stopped crying since i tried them on. Ica n't afford the boots to begin with that 's why I bothered you so much about the price. I bought them for myself for a birthday present with money I scraped together for over a year. I hope you can find it  in your heart t o except my deepest apologies and let me return the boots. I will send them first thing in the morning. I do n't know what I am going to do if you do not accept this. Thank you in advance.   Note : While reviewing other  XXXX  feedback, I noticed that this buyer used a similar excuse cant afford with other sellers.   On  XXXX   XXXX , she opened a Return Request with  XXXX . Due to the fact that the item was as described and just did not fit the buyer,  XXXX  ruled according to its policies that the buyer has pay for the return shipping. I contacted  XXXX  customer service and they told me that I dont have to accept the return if I dont want to since I did not offer return in in my items description and item was as described. However,  XXXX   XXXX  closed the Return  Request  the very next day avoiding paying shipping fee for the return.   On  XXXX   XXXX ,  2017 , she opened a case with her financial institutio n (   XXXX   )  claiming that she did not authorized the transaction. I provided  PayPal  with information about   XXXX   transaction, and on  XXXX   XXXX   XXXX  closed the case in my favor. In the meantime, the buyer started listing the boots on  XXXX . She listed them 5 times for higher than she purchased price, but couldnt sell them.   On  XXXX   XXXX ,  XXXX   XXXX  reopened the case with her financial institution now stating that the boots were : It was damaged or defective ; It was not as described Services were not rendered Item not received I contacted PayPal and provided the information about the  XXXX  transaction again. PayPals customer service assured me that the buyer has no rights to the chargeback since the item was as described and they will fight for me. I called  PayPal 3 more times offering additional information. All three times PayPal assured  me that they have enough documentation to win the dispute and to protect me. However, on  XXXX   XXXX ,  2017 , I received an email from  PayPal notifying me that the financial intuition resolved the case in buyers favor and, therefore, PayPal charged me {$200.00} plus pay a {$20.00} fee to PayPal. In   addition, I paid {$18.00} to  XXXX  for selling my boots on  XXXX . As the result of this fraudulent chargeback I lost {$240.00} and boots. At the same time, the fraudulent buyer has the money and the boots. I contacte d PayPal again and they told me that I dont have any remedy to appeal the case. They refused to provide any information on the case and advised me to file a law suit against the buyer. Clearly, it is impossible to file this law suit since the buyer lives in Florida. PayPal refused  to provide any information about her financial institution. My basic due process rights and rights under Fair Credit Billing Act were violated since I did not have an opportunity to defend myself against fraudulent chargeback and I did not receive any documentation regarding this chargeback from the financial institution according to  XXXX .   PayPals business model and policies allows and even condone fraudulent transactions and scams like the one I described. While this is the first time it happened to me, I now understand that it is a common problem. I believe that allowing  PayPal to be so called mediators between consumers and financial institutions without their agreement violates basic rights of due process rights. PayPal bu siness model is flawed and is abused by many scam artists without any consequences.   Please HELP!       Attached is  XXXX  of the emails I received from the buyer confirming that the item she received was as described : " Hi. I just recieved the boots and they are beautiful. I am sure your going to say no but the boots do not fit. I must need a size  XXXX  I am always a  XXXX  so I do n't get how they ca n't fit me. I havent stopped crying since i tried them on. Ica n't afford the boots to begin with that 's why I bothered you so much about the price. I bought them for myself for a birthday present with money I scraped together for over a year. I hope you can find it in your heart to except my deepest apologies and let me return the boots. I will send them first thing in the morning. I do n't know what I am going to do if you do not accept this. Thank you in advance. ''