Webscar posted:
levgre posted:
Webscar posted:
To those saying not to link it to a bank account... Etc etc.. That's the whole problem here. It wasn't linked
From what you've said, yes it was linked... just because you talk to your bank to block paypal, does not mean your paypal account is no longer linked to that bank as your primary payment method (which is the only reason I can think of that PayPal would request a payment from the bank in the first place).
Why should Paypal, a simple online payment system, be tracking whether Microsoft's internet transactions are refunds or not? That's what I don't understand... what is the link exactly between PayPal and Microsoft Points here?
I've been in a similar situation with Paypal, they withdrew from my bank when there wasn't enough money in it, my account ended up getting locked and I had to pay a fee to the bank. But it was my fault, I messed up while using an automated payment mechanism. I'm not going to blame the Pay-Pal coding.
Slip of the tongue on "Linked"... but the effect is the same. Paypal had no linked account that was authorizing the payment, so they put it on a CC (Found out they're called Smart Connect) to cover the balance. As for why Paypal should be tracking whether or not Microsoft is refunding is because they are the middle man, who is actually passing money back and forth.
Microsoft to PayPal: Give me $100
PayPal to Microsoft: Okay, here you go.
PayPal to Bank: Hey, I need $100 for Microsoft.
Bank to PayPal: Here you go, $100.
... Later ...
Bank to PayPal: Whoa, wait a sec. That's fraudulent and wasn't initiated by my client. I'm sorting this out with Microsoft.
PayPal to Bank: Oh, okay; we'll just put his account on hold so it doesn't happen again.
... Later ...
Microsoft to PayPal: Here's that $100 back
Bank to PayPal: I'd like that $100 to balance the account
PayPal: Oh sure, here you go.
... Later ...
PayPal: Hey, I still have this $100 charge to take care of. Bank Give me $100
Bank to PayPal: Umm, no. We resolved this. Microsoft isn't authorized to charge through PayPal.
PayPal: Well, I have to charge this. It wasn't refunded.
... 2 Months Later...
Collection Agency: Hey, I need $250 from you to pay PayPal.
Friend: WTF?
Maybe that explains the history a little better? PayPal ended up processing the payment through because it was never "resolved" (Refunded) and the Bank refused to pay it because it was not authorized to. PayPal says you cannot have a negative balance; so it created a Smart Connect account in his name to house the negative balance, and started charging my friend interest and late fees... then called collections on him.
Yes it does, and shows your friend is completely at fault. He charged his PayPal with money he didn't have. And there was absolutely nothing fraudalent about PayPal asking your friend's bank account for money. You set your sources of funds on your PayPal account. In the world of instant online transactions things happen quickly, and PayPal can't just have everyone owe them money and pay back later.
(>o.O)> (>o.O<