PayPal are the single worst payment processor the world has ever seen, and they have deliberate policies of corporate thievery which totally screw their customers. It took me three years to cancel my account with them, and that was only possible after the registered credit card expired. $450 is nothing. Some have been taken for tens of thousands. - John Samuelson

Please see http://www.paypalsucks.com/ for many examples. - John Samuelson

OK, so Apple messed up their security, they charged the wrong man, and shipped the increadibly valuable giftcards for content licensing. However, PayPal has to pay the bill for Apple's mess. And this would cost PayPal some real USD 450, while Appla would have lost the some licensing income it was not entitled to in the first place. This is not to say that PayPal should not be a LOT more prepared to protect their customers. However, Apple is much more to blame. Hey Apple, give that man his money back! - Andrey Andreev from twhirl

According to PayPal accepting their ToS (Terms of Service) in effect means you waive your rights to credit card consumer protection laws if you want to use their service, and that you may not issue a chargeback for unauthorized use of your credit card and PayPal account, or if you do, then they have the right to limit your account. Is this legal? We don't know. But it's how Paypal operates. See my credit card waiver page for more information. - John Samuelson

I have a 2 posts about PayPal difficulties that I experienced lately and I get overwhelmed with negative reactions from Dutch PayPal users. Accounts are frosen and the users can't do a thing about and little reaction from Paypal. - Erno Hannink

Yeah, reading this it's really hard to see how PayPal is the villain. If they were responsible for the $450, it would give "preauthorized" Web site owners little incentive to beef up their security or audit their systems. After all, PayPal would be on the hook for any problems that arose. I'd think differently if PayPal's system had been compromised, resulting in a loss. - mrshl

This post seems off target to me. Apple is the company that currently has $450 of his money. Why would PayPal be responsible for paying him back? - Dan T

That seems like the correct course of action on Paypal's part, to have Apple reverse the charge and not Paypal. If Apple is the cause of the issue (admittedly) then they should have no problem reversing it. Unfortunately, instead of authorizing each transaction, he used a pre-approval option that allows Apple to directly take out the money without his authorization, otherwise it would have likely been resolved much sooner and more easily than this. - cmiper

PayPal sucks. Heard HORROR stories from my business friends. A lot of top people at PayPal have gone on to great business positions, but they've always sacrificed customer service (from what I heard). (1) I leave as little money as possible in my PayPal accounts (2) Do NOT connect PayPal to any bank accounts with serious money in them. Open a new bank account just for PayPal. PayPal has been known to suck $5-10K back from a bank account. They are not a bank, and not subject to the usual regs! - Mitchell Tsai

A real CC/Bank gives you an EXTRA layer of protection & added clout when negotiating with a seller. Not only will I take you to court, my bank will reverse the charge. You forfeit that with PayPal (something to consider with all these business ideas for internet money-handling) and with Debit Cards. I've had a bad credit-reversal argument with Washington Mutual concerning my Debit Card (only $99, but it's the principle). Now I use disposable $25 debit cards for internet nonsense (& hotel reservations). - Mitchell Tsai

Maybe if enough people raise hell about this, they will snap out of their pipedream and realize that a potential exodus of millions of customers and dollars would not produce a net gain, and that their petty fretting over pittances could cost them a real fortune. - david beckwith

Err, but what other choice do I have? - Yuvi

That is why I keep my PayPal account "Un-Verified", use a card with VISA on it for member protection and only when I go into a selling streak do I verify to an bank account specifically for that use, with minimum funds in it. Say $20. PayPal can do things to me as they wish. When they have, I called VISA, told them what happened and they handled the situation within a few hours as matter of fact. - Greer Trice

There is a great saying I once heard "You may agree to waive anything you please, but that does not change the rule of law". The quote was from the California Department of Labor, in reference to System Administrators being subject to overtime as opposed to what their employment agreements state. So PayPal can say what they wish, fraud is fraud. - Greer Trice

I once had a huge problem with eBay and it was semi-combined with Paypal. Paypal came to bat, for me, and offered to pay eBay, on their own, to resolve the situation. Ironic considering they really are one-in-the-same, but my eBay seller account needed immediate action and only Paypal had a customer service telephone option. I've decided to limit my connections with them.. to limit my own personal liability.. because of what I've read.. for many years, now. - Heidi Jeffers Thibodeau

pls i need your help about credit card.. pls i need credit card to register in. in one site - kola