Traded my points, got a call saying the card they paid for them with is fraud

[Dean]

I ran into this! I've been looking for a new laptop and got an email for one at HH Gregg that was a good deal. I ordered online and did ship to store, charge to my Southwest Chase Visa. It was declined! I thought I typed the number wrong, so I tried again. Declined. Then I got a text from Chase Fraud Dept asking if I made the transaction. I replied yes and they said to retry. It went through. We'll see what happens when I pick it up tomorrow.

This is common for Chase. I've had it happen a number of times. Click OK either on the email link or the app and then retry with no problems.

 

[bumbershoot]

Considering the PayPal does not allow payment for timeshare rentals, they are not going to assist in any dispute. Paypal will only protect you in the purchase of a tangible item.

They allow it, they just don't protect you.

The problem in question was that the credit card was declined after the payment had been processed. So this would impact anyone who receives money from any potential buyer.

Regards

But you're still referring to paypal (you're responding to a post about paypal), and we have NO idea if Yosh used paypal in any way. All Yosh says is:

now we just got a call from a cc company saying the money we got was from a fraudulent card

"A" cc company? How did they receive payment? etc? It makes no sense and I'm sad Yosh never came back.

 

[maburke]

Considering the PayPal does not allow payment for timeshare rentals, they are not going to assist in any dispute. Paypal will only protect you in the purchase of a tangible item.

They allow it, they just don't protect you.

I believe I saw thread on here once saying that when Paypal found out that a payment was for a timeshare rental, they reversed the payment and closed the account(s) involved. So, although I still do it, I wouldn't go so far as to say they allow it. Their terms don't say you're not protected, they say it's not allowed. (At least the last time I checked.)

 

[Dean]

I believe I saw thread on here once saying that when Paypal found out that a payment was for a timeshare rental, they reversed the payment and closed the account(s) involved. So, although I still do it, I wouldn't go so far as to say they allow it. Their terms don't say you're not protected, they say it's not allowed. (At least the last time I checked.)

I'm thinking that was a sale and not a rental but I'm not certain. However:

Besides the direct sale of real property, we also don’t allow transactions that involve:

• Raffles or lotteries offering the opportunity to purchase or the chance to win a specific house.
• Real estate auctions that allow prospective buyers to sort through property listings and place bids on the property they want. There are many variations on what it takes to win. Typically, though, the winner is the highest bidder or the person whose bid is closest to the actual value of the house.
• Reverse auctions offering properties for sale not to the highest bidder, but to the person who has the lowest unique bid. In a reverse auction you usually have to pay an administration or bidder’s fee before you can make a bid.
• Tax lien certificate auctions in which prospective buyers place bids on tax lien certificates. These are certificates that represent a claim, or partial claim, on a property for the sum of unpaid taxes. The winning bidder becomes the property’s new lien holder.
• Timeshare transactions -- offers to buy, sell, or rent rights to the periodic se of a property. A timeshare is real estate that is jointly owned by people who share the right to use the property and take turns using it.

Redweeks discussion on the issue http://www.redweek.com/forums/messages?thread_id=20297

 

[starry_solo]

It's actually quite interesting that PayPal doesn't allow timeshare rentals when that's the only method of payment allowed through eBay (where there are quite a few of timeshare rentals!)

 

[TinyTGO]

To my understanding, Paypal allows payment for everything. It just will not protect you, as a buyer or seller, if it is not for a tangible good. I ran into an issue once selling my Bears tickets with Paypal. Buyer bought the tickets with Paypal, and we exchanged in person. About a month after the game, the seller went to Paypal and said he never received the tickets. I found out the hard way that it's on the seller to prove the transaction went through. PayPal froze the funds from the tickets, and then made me fight hard to get them back. Some things to consider when using Paypal... in order to prove a transaction...

- be sure to include as many details in the transaction description as possible... if the buyer sends funds via friends/family, it doesn't matter it won't be eligible to be chargedback.

- Paypal will posture like they require a tracking number, however, they do not. You will need to provide email correspondence from the email of the buyer's Paypal account... so the best way to protect yourself is have them send you an email reconfirming everything that has been agreed to from the Paypal email address. If they send it from any other email PayPal will not accept it.

That all said, it's pretty clear in their terms of service that only transactions for goods are protected.... meaning the buyer is really the one who is not protected as the transaction should be ineligible for a claim. I wouldn't count on it though. PayPal typical sides with the buyer so make sure you take all necessary precautions as a seller.

 

[Dean]

To my understanding, Paypal allows payment for everything. It just will not protect you, as a buyer or seller, if it is not for a tangible good. I ran into an issue once selling my Bears tickets with Paypal. Buyer bought the tickets with Paypal, and we exchanged in person. About a month after the game, the seller went to Paypal and said he never received the tickets. I found out the hard way that it's on the seller to prove the transaction went through. PayPal froze the funds from the tickets, and then made me fight hard to get them back. Some things to consider when using Paypal... in order to prove a transaction...

- be sure to include as many details in the transaction description as possible... if the buyer sends funds via friends/family, it doesn't matter it won't be eligible to be chargedback.

- Paypal will posture like they require a tracking number, however, they do not. You will need to provide email correspondence from the email of the buyer's Paypal account... so the best way to protect yourself is have them send you an email reconfirming everything that has been agreed to from the Paypal email address. If they send it from any other email PayPal will not accept it.

That all said, it's pretty clear in their terms of service that only transactions for goods are protected.... meaning the buyer is really the one who is not protected as the transaction should be ineligible for a claim. I wouldn't count on it though. PayPal typical sides with the buyer so make sure you take all necessary precautions as a seller.

As I posted above from their FAQ, timeshare rentals are not officially allowed. What would be more accurate would be to say they don't know to block certain transactions.

 

[TinyTGO]

As I posted above from their FAQ, timeshare rentals are not officially allowed. What would be more accurate would be to say they don't know to block certain transactions.

Reality is they probably don't care to block any transactions. As long as they get paid and they don't have to get involved, why not? They can always go back and say, "well we told you it wasn't allowed"

 

[Dean]

Reality is they probably don't care to block any transactions. As long as they get paid and they don't have to get involved, why not? They can always go back and say, "well we told you it wasn't allowed"

Potentially but I have seen occasions of them blocking the transaction and I've heard of at least one instance where the payment was reversed. The question to me would be where would they fall if it was done and there was later a problem. Both the seller and buyer would have violated that agreement so one or the other is going to be out the money. The other question is how would a CC company handle a chargeback request since paypal would have allowed a transaction that was not allowed under their rules. That might be a formula for a successful chargeback. I'm not sure when paypal made the change but it wasn't always this way. Then you get those that are upset when you tell them there's a fee for paypal or even suggest doing it like it's sending money to a friend to avoid the fees.

 

[araffle]

Paypal. There are some to whom I have rented several times, from whom I take checks...

 

[lullwater]

Perhaps he/she is fishing for a way to defraud someone else out of their points.

This was my first thought!

 

[bumbershoot]

Their terms don't say you're not protected, they say it's not allowed. (At least the last time I checked.)

When I've checked it just says you aren't protected. But that was awhile back. They sure do hide it and change it a lot...

When I say they allow it, I don't necessarily mean they say "oh please do this"; I mean...it happens, therefore they are allowing it to happen.

 

[TinyTGO]

When I've checked it just says you aren't protected. But that was awhile back. They sure do hide it and change it a lot...

When I say they allow it, I don't necessarily mean they say "oh please do this"; I mean...it happens, therefore they are allowing it to happen.

Maybe they want to allow it, but don't want the liability so they turn a blind eye. It's interesting because the renter would not qualify to file for Buyer Protection, but seller would not qualify for Seller's Protection. Maybe they leave it up to the credit card company to handle the dispute.

 

[crazywig]

OP's first post. Hard to say if it's even legit.

I just ran across the OP on Reddit dvc page. They posted the same thing and there was resolution, so not a fake post they just didn't follow up here.

 

[TinyTGO]

I just ran across the OP on Reddit dvc page. They posted the same thing and there was resolution, so not a fake post they just didn't follow up here.

Faith in humanity restored