Anybody use Paypal ?

[jyoutz]

So. I assume you guys print out a statement and send it with a check in the mail to paypal?

I just pay my PayPal account online using my debit card. There is really no risk that I’m uncomfortable with. I have had debit card fraud in the past (from gas pumps, not online); I called my bank and they credited my account for the fraud and sent me a new card.

 

[jyoutz]

I've bought stuff twice paid via PayPal and the seller sent me garbage and PayPal said "seller says they sent you and provided tracking that shows it was delivered". I didn't get what I ordered - they sent a 5¢ child's toy not a roller for my vacuum but pp didn't care because I received "a package". They immediately closed the "inquiry" and refused to reopen it.

I closed my pp account and won't use it again.

(My credit card which the PayPal was connected through refunded me, so while I'm not out any money, I don't need the stress or loss of time - at this point my assumption is if a "merchant" only takes PayPal that they're a scammer.)

I have had two instances in the past year of seller fraud: the first time, the seller sent me a low quality product, and recently I never received the product. I opened a claim with PP and both times PP refunded my money after a ten day notice to the seller. Love working with PP because of their fraud protection.

 

[k0ua]

No - I've never used PP. Just use my credit card.

Paypal is far safer when you send money to questionable accounts. Think foreign countries like Russia and China or African countries.
I had no idea they ever did paper statements.

 

[k0ua]

I have used PP hundreds of times. Most recently today to send money to Mt. Athos. I have received money several times over it for sales. Sent money all over the world.

 

[locknut]

Paypal is far safer when you send money to questionable accounts. Think foreign countries like Russia and China or African countries.
I had no idea they ever did paper statements.

I should have been clearer on my first post. Paypal doesn't send statements.My paypal extras credit card funds paypal and they have stopped sending mailed statements. Whoever heard of a CC company not sending you a bill? Yes, I'm pissed !

 

[ljjhouser]

I should have been clearer on my first post. Paypal doesn't send statements.My paypal extras credit card funds paypal and they have stopped sending mailed statements. Whoever heard of a CC company not sending you a bill? Yes, I'm pissed !

It seems like you are a casualty of the push in the last few years for paperless billing. I used to want paper receipt, but I spent so much time shredding them later. I never agree to paperless billing because I wonder what I have to do if I experienced computer problems. But over the years, fewer and fewer companies send me paper bills. Very few now. Even CC accounts. But that may be because I pay accounts online. They may have decided I didn't need paper. It would not surprise me if in the future they try to offer paper only for a fee. In an attempt to get rid of all paper billing.

 

[Jchonline]

PayPal has recourse if there is problems with the sale - like did not receive item, or was not correct. Over 20 years there have been 3 times someone did not ship and PayPal reimbursed the account. - no loss. As mentioned above, I link a bank account and backup credit card. I do not restock money in paypal from my account. All purchases are paid directly from the linked bank account. PayPal is a banking system, just as any other bank. I use online banking for everything, even with my local bank. I also DO NOT use a cell phone for banking business. I use my computer and all passwords are created and managed by LastPass. LP uses 2nd factor authentication with a otp (one time password). Safer than mailing a check.

Selling is a larger issue.

 

[k0ua]

I should have been clearer on my first post. Paypal doesn't send statements.My paypal extras credit card funds paypal and they have stopped sending mailed statements. Whoever heard of a CC company not sending you a bill? Yes, I'm pissed !

Hm... I dunno. I have never seen a bill from a Credit Card company either. Although I have never run a balance with a credit card company either. Always pay them off. Maybe they do send them if you run a balance. But I have never seen one.

 

[Creamer]

I do not have a paypal account because I would use it so little. I did use paypal through a CC as that was the only payment the company would accept. I never received the item. I called Paypal and they said I had to set up an account to make a claim. I had problems with them years ago and do not want another account with them. Consequently I called my CC and they had to do the cancellation for me and it is still in dispute. Paypal is not a company I want to do business with. My credit cards are much more service oriented.

 

[locknut]

Hm... I dunno. I have never seen a bill from a Credit Card company either. Although I have never run a balance with a credit card company either. Always pay them off. Maybe they do send them if you run a balance. But I have never seen one.

Well, if you have always paid online they likely would not mail a statement.

I have a 5/3 visa that I've had for 35 years and use it every month. They mail a statement and I drop a check off at the local 5/3 bank. I think I'll try to change funding for paypal back to my 5/3 card and see what happens.