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#2228041 - 12/27/19 08:39 PM Paypal Charge
bande Offline
Junior Member
Joined: Jul 2013
Posts: 27
A customer has disputed a charge that is less that what we normally process chargebacks.. In this case the customer paid for an item thru their paypal account which completed to their debit card. The customer never received the merchandise. The customer has tried to got thru paypal's fraud reporting both online and by phone with no results. Does the bank have any responsibility in this case because the merchandise was not received or no responsibility because paypal was authorized? Thanks.

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eBanking / Technology
#2228042 - 12/27/19 08:41 PM Re: Paypal Charge [Re: bande]
rlcarey Offline
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rlcarey
Joined: Jul 2001
Posts: 72,514
Galveston, TX
That would be correct. The PayPal charge to their account was authorized.
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The opinions expressed here should not be construed to be those of my employer: PPDocs.com

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#2228173 - 01/02/20 08:43 PM Re: Paypal Charge [Re: bande]
bande Offline
Junior Member
Joined: Jul 2013
Posts: 27
Thank you!

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#2228907 - 01/13/20 09:13 PM Re: Paypal Charge [Re: bande]
Andy_Z Offline
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Andy_Z
Joined: Oct 2000
Posts: 26,917
On the Net
PayPal generally has Reg E responsibility when it is used. See 1005.14. But Reg E doesn't care if the consumer received or is happy with the goods or services, only that the transaction was authorized. So while late to the party, double no. They need to go back to PayPal.
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AndyZ CRCM
My opinions are not necessarily my employers.
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Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell

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