looking for some advice been scammed on a part i sold on market place paid through pay pal the scammer claim the part had a problem which it DIDN'T pay pal messaged me but i never seen the message and paypal returned the money back to him. after a month notice my account was short i got in contact with paypal to see what the problem was they said there was dispute so i said will then send me my part back after many calls to paypal they said they would send courtesy message to him. l also messaged him on face book he said he would send it back after messaging him several time and asking for tracking number he then claimed he sent it but would not produce a tracking number and now will not answer his messages.


PLEASE DON'T DELETE

Get a separate checking account for on line and paypal type stuff. Attach paypal to that. Keep a minimum of money in it. When you get paid for something through paypal, transfer it to a secure account right away.

I may get scammed or hacked (again), but they won't get much.

Know who you're dealing with.

Please tell me it wasn’t a friends n family deal. If so you cheated the system and PayPal won’t helping you.

looking for some advice been scammed on a part i sold on market place paid through pay pal the scammer claim the part had a problem which it DIDN'T pay pal messaged me but i never seen the message and paypal returned the money back to him. after a month notice my account was short i got in contact with paypal to see what the problem was they said there was dispute so i said will then send me my part back after many calls to paypal they said they would send courtesy message to him. l also messaged him on face book he said he would send it back after messaging him several time and asking for tracking number he then claimed he sent it but would not produce a tracking number and now will not answer his messages.


PLEASE DON'T DELETE LOOKING FOR ANY SUGGESTIONS

He SOLD the part, so the F&F thing would NOT be to his detriment. The buyer pulled a scam and issued a claim against him through goods and services payment approach.

As mentioned, have an account solely for paypal cash transfers, get money, move it to a different account right away. No money in account, nothing to take.

A bank would g3et in big trouble if they went to a separate account to claw back money at paypals request. The account they have access is the only one that should potentially be garnished. Federal Banking rules would frown on them nixing a different account.

That is why banks today want so much personal info to open an account that you want to give them funds to deposit.

Nope, federal banking regulations drive all of that. The bank must ask those questions, it's called know your customer.

Got a daughter that's a VP at a bank and she's filled me in on all that stuff over the years.

You drank the koolaid I see, its also why the bank can bounce a check without any time limit, or the so call "clearing', and why checks are never returned to the writer, which allows them to be bounced in the future, and make the account owner pay up.

But keep your cover story, it keeps everyone submissive and in line.

Nope, I neither wear a tin foil hat nor have my head in my nether regions.

Well consider this:

1. Anybody can be a VP at a bank

2. No VP is ever going against Government regulations and Corporate dogma in the slightest way

3. Government and the banking industry are in total lockstep on writing new regulations that serves both THEIR purposes, first and foremost.

4. The concept of "know" your customer from a bank's perspective is baloney, they only know your identity so as to be able to recoup future funds

5. The Patriot Act was a great cover for the implemented "know" the account holder regulations, and exploited here. mainly because the public is gullible enough to fall for the spoon fed "Patriotic" fight against "terrorism".

6. Prior to all this new "security" theater, a check written would be received at the depositing bank, and then physically went thru the Federal Reserve Banking system, and was "cleared" after it was received at the check writer's bank.

9. EVERY check received at the check writers bank overnight was stamped "PAID" and the correct amount was deducted from the account.

10 The next morning, any accounts overdrawn, mostly had checks marked "paid" were removed as needed to make account no longer overdrawn, stamped again "Payment canceled", the amount returned to the over drawn account, and then physically returned to originating bank.

11. That process took time and effort, and why the banking day used to end at 2:00pm

12. it was hard to achieve over long distances and put banks at risk with their arbitrary check clearing deadlines and funds holds.

13. It was also costly and inefficient, including normal stop payment protection, discovering postdated checks, fraud signatures, etc

14. Technology created new solutions.

I15. It became possible to electronically within seconds to pay processed checks and move funds nationally.

16. The banking advantage was, they could still place limited holds on funds, and collect interest during the hold, even though the funds had been withdrawn from the check writers account.

17. A further advantage was they no longer needed to physically transport a check or stamp it paid.

18. Bank customers no longer receive a physical PAID check in their monthly mailed statements anymore.

19. In days past, the Bank could no longer reverse payment on a check not in their possession

20. Any check now can be returned electronically at ANYTIME thereafter

21. The concept of checks "clearing" no longer exists

22. What in reality happens today is checks only get returned whenever needed

23. In the future, if any previous check is returned and your account becomes overdrawn, they want to be able to find you and get paid.

24. They don't care who you are as any primary concern..