Consumer complaint received 2015-06-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CA)

This is a formal complaint against eBay and its associated financial service PayPal for not acting in a fair and reasonable fashion according to the accepted definition of arbitration according to XXXX fiduciary law. On XXXX XXXX, {$160.00} was deducted from my PayPal account without warning or explanation. In " Non-receipt - Claim - # XXXX '', the buyer was awarded a full refund for his claim that Transaction # XXXX was not completed due to the item in question not being received. Upon learning of this issue, I promptly replied by responded to both PayPal and the buyer directly through eBay 's messaging service. I also provide physical proof of the product 's shipment via USPS and the Customs Barcode Number XXXX. 

The buyer himself had the option to alert me as the shipper that he had not received the item within a reasonable time frame before elevating his concerns to a PayPal claim. That is not a constructive or courteous way to do business particularly with sellers in the eBay marketplace in good standing with as high a rating as I have. Further to that, I negotiated a resolution to the problem directly with the buyer that was satisfactory to him albeit still a financial loss to me. I uploaded the text of that offer to the PayPal claim folder and discussed it over the phone with a PayPal customer service rep who approved of it and welcomed my cooperation. 

My offer was to replace the item rather than reimburse the buyer because the rarity of the time made replacement a more attractive and valuable option to him. In response, the buyer agreed to " give up XXXX his ) claim ''. I followed by explaining that it would take me a couple of days before sending the poster in question because I was low on funds in my PayPal account. On XXXX XXXX he accepted my offer and agreed with my evaluation of the mishap. However, having not honored his own offer to cancel the claim, before I could ship the replacement item either he, PayPal or XXXX deducted the full amount from my PayPal account which not only disallowed me the ability to purchase shipping, but prevented my ability to ship to any of my eBay customers as it put my account in a negative balance. 

As these emails document, the buyer understood and agreed on XXXX XXXX that it would take me " a couple of days '' to send the item. However, not did he not fulfill his obligation to cancel the claim, in those two days after the claim was decided in his favor and my money was gone. Not only is that an egregious and callous act on the part of both the buyer and PayPal, but there is no shipping service that would have been able to deliver the package according to our agreement before the case was decided. 

I was only informed by PayPal with a pair of automatically generated emails that offered me no ability, much less professional courtesy, to respond. When I spoke to PayPal 's customer service, I was met only with didactic, patronizing rhetoric and no constructive explanation or remedy. 

I do n't need to remind you of what is now public knowledge and that which is increasingly deteriorating your companies credibility and reputation. Recent developments of note in these suits relating to my complaints are : Defendants ' motion to dismiss complaint denied by XXXX XXXX XXXX XXXX XXXX XXXX in XXXX v. eBAY, XXXX, CASE NO. XXXX 
Though sellers ' user agreements with PayPal say it can put holds on funds during disputes with buyers or with risky sales, it can not simply use its discretion to place holds on funds at random, according to the complaint. 
PayPal arbitrarily put holds on her and other sellers ' funds. 
PayPal 's alleged use of arbitrary holds and eBay 's " buyer-is-always-right '' policy. 
In XXXX XXXX v. eBay XXXX, XXXX XXXX. XXXX, eBay 's bid to dismiss the suit was denied XXXX XXXX