Consumer complaint received 2021-03-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX, I purchased an item off of XXXX, the listing gave details about the item as to where the item is located, the price of the item, the shipping costs ( if any ) and taxes and that was it. The issue I am having is the fact that the listing never disclosed any information regarding the seller, thier location, or the fact that a fee would be assesed from purchasing anything from this seller. The listing did not state that the seller was in another country or that using a debit card would cost a {$7.00} fee. Which at the time, unknown about this XXXX fee until after the fact, put my account in a negative status. Which resulted in me receiving an overdraft charge from my bank of {$35.00}. So, when combined with the {$7.00} fee thats a total of {$42.00} extra dollars now I am having to pay for this item. The item costs XXXX plus tax of XXXX, a total of XXXX now when you combined this I am paying almost 20 % more for this item now. XXXX, Paypal and the merchant failed to list ALL applicable fees. It should be stated in the final price of an item that the seller is from a foreign counrty and that there will be an extra fee for this transaction. Because, it is very misleading to list that the item is in a state in your home country and never mention anything about extra fees or transaction costs that will be added from buying from a certain seller. That should be mandatory, included in the final price a buyer has to pay. 

Surcharges for credit card payments became legal in XXXX of XXXX following a class-action settlement between merchants, Visa, MasterCard, and a number of major banks. Now, merchants may charge from 2-4 % ( but not more ) of the underlying credit card purchase if you make your purchase using either a Visa or MasterCard credit card. This surcharge is meant to cover the cost that merchants pay to the credit card companies in order to have the ability to process payments made with those credit cards. 

However, merchants who add this fee onto their customers bills must post a sign in their front window notifying them of this. Additionally, the merchants must disclose the exact amount of the surcharge at the point of sale and on their receipts. A caution : For online purchases, merchants are only required to disclose this surcharge on the first page where the potential customer is prompted to enter in his/her credit card information. 

These surcharges may only be imposed on Visa and MasterCard purchases ; such fees may not ( at least not yet XXXX be assessed for an XXXX XXXX or XXXX XXXX purchase. Finally, a merchant can never impose a surcharge for a purchase made on a debit card. 
Lets read that last sentence again. And, not only should the merchant list the all fees, XXXX and Paypal need to disclose ALL possible fees and costs related to the purchase of a certain item at the time of sale. And, not charge or add on some fee after the fact. 
So, I would like {$42.00} refunded back to me for these expenses I've had to incur when I should have been made aware of all charges at the time of sale. Thank you.