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That explains SO MUCH, Chad. ;D|
Originally Posted by Chad Gulzow-Man
GameStop employees are often dumb
I work part time at GameStop |
I recently upgraded my bank account to a Visa Debit card. It cost me nothing beyond what I normally pay for my account fees (I can't promise that this is true for all banks or accounts), and when I use it online, the website treats it just like a credit card, but the money is debited from my bank account instead of being charged to a credit card.
That's the best option for me, since I don't have a credit card, which means I can't use PayPal either (PayPal requires a credit card on file to do instantaneous payments out of a linked bank account, which is how CoH bills), and it doesn't have any activation fees like a prepaid credit card, and I don't end up with $5 left on a $50 prepaid after paying for 3 months.
@Roderick
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I also have never had a problem with PayPal (except the above noted issue with needing a credit card to back certain payment types, and that doesn't cause bounced payments - it just refuses to try to process them).|
Originally Posted by Aggelakis
Your personal anecdote is counteracted by my personal anecdote where nothing untoward has ever happened for me when using PayPal. And I've used it a LOT, since 1998 or so.
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This is a wild guess, but if you tried to make a payment from your bank account, the payment isn't processed immediately. A few days later, when it is processed, if there are insufficient funds, it will charge the credit card instead. If that doesn't work (because the credit card is at the limit, has been cancelled, any other reason) then the credit card payment will be rejected, and the payment that PayPal made on your behalf will be reversed, resulting in something similar to what Gilfred described.
If that was the case, it wasn't a failure on PayPal's part, it was PEBCAK.
@Roderick
Ya paypal is so awesome LOLOLOL
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| In September 2005, Richard Kyanka, owner of the website Something Awful, set up an account to collect donations for Hurricane Katrina to be given to the Red Cross. Owing to the high rate at which donations were made, the account was automatically frozen, and Kyanka criticized the time and difficulty involved in getting PayPal's customer service to unfreeze the account. In response to the concerns of Something Awful members over the charity used by PayPal, United Way, Kyanka finally opted to have the money refunded to the donors so that they could donate directly to their charities of choice, though PayPal did not refund exchange and handling fees for international donors |
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| In February 2010, PayPal stopped or reversed all "personal" transactions in or out of India without prior notice. Funds already transferred and transactions that had previously been "completed" were reversed leaving many vendor accounts over-drafted. Companies, contractors and service providers throughout India were left in debt to PayPal for services they had already provided when PayPal, without warning or consent, returned funds vendors had already received and withdrawn |
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| n March 2010, PayPal froze donations to Cryptome, seizing over $5300 of in-transit donations.[91] PayPal refused to inform Cryptome of the reason for this action, claiming that to disclose why the donations had been confiscated would violate Cryptome's own privacy.[92] A week later, PayPal offered an apology, which was rejected by Cryptome founder John Young as "insulting and unacceptable" A week later, PayPal offered an apology, which was rejected by Cryptome founder John Young as "insulting and unacceptable". |
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| In September 2010, PayPal froze the account of Markus Persson, developer of independent video game Minecraft. Persson stated publicly that he had not received a clear explanation for why the account was frozen, and that PayPal was threatening to keep the money if they found anything wrong. His account contained around €600,000. |
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| In December 2011, PayPal froze funds in an account held by April Winchell, the owner of Regretsy, used for charitable giving, requiring the account holder to refund the donations collected but keeping the fees charged. Following some public outcry the account was reinstated, PayPal apologized and donated to her cause |
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| As of December 2011, PayPal is embroiled in a controversy over their policy of holding 30% of vendor transactions for 90 days, which PayPal argues is intended to make funds available to customers in the event that a transaction is found to be fraudulent; to provide PayPal the funds to refund the seller. But PayPal has refused to provide information regarding the reasons particular sellers have been identified to have funds reserved. There is also criticism about the perceived arbitrariness of the 90-day waiting period, when customers have only 45 days to file a claim against a seller, and complaints about the fact that PayPal has not paid interest on the funds held back. Many sellers have surmised that the policy is due to a desire on the part of PayPal to use their funds for investing. There is a class action suit pending regarding the practice |
So awesome in fact they have a class action lawsuit against them.
Paypal is generally fine for the consumer.
It's the Vendors that are considered child-murderering-convicts until proven innocent via sworn affidavits from the pope, Ghandi, and Mother Teresa usually.
Orc&Pie No.53230 There is an orc, and somehow, he got a pie. And you are hungry.
www.repeat-offenders.net
Negaduck: I see you found the crumb. I knew you'd never notice the huge flag.
So I have been paying with game time cards since then. But now I see that I will probably have to use prepaid debit cards to add time to my account.
I have never trusted PayPal for that or any other payment again.
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