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09-14-2009   #1 (permalink)
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Default paypal sucks,,,

i got charge fir NFS or watever, paypals just gay as hell
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09-14-2009   #2 (permalink)
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NSF - Nonsufficient Funds.

PayPal isn't alone in this, every bank in the market will charge you extra if you try to pay for something and don't have enough money in your account to cover it.
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09-15-2009   #3 (permalink)
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Caught red handed haha~
 
09-15-2009   #4 (permalink)
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blah._. only a hundred $, big deal, just pissed off @ all this confusion,
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09-15-2009   #5 (permalink)
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What are you talking about? Paypal is awesome.

Without Paypal I wouldn't be able to purchase anything online. It is essentially an online bank. I can buy whatever I want with a credit card without the sketchy company receiving my credit card details. Also, I can filel a dispute and Paypal will have my back. The only downside are their small fees like 2.9% for receiving payments or something. But there's ways around that: you can take a withdrawl from your credit card or bank account and deposit into your Paypal balance. Then you can send that money to any other Paypal account and there's no fees. Oh right, and of course Paypal is fricken HUGE and so widely known that almost every e-commerce transaction supports it.
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09-17-2009   #6 (permalink)
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And here I was thinking they froze your account because you offering vacations to Costco. That's right. Costco trips are not allowed.
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09-17-2009   #7 (permalink)
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D: why not
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09-17-2009   #8 (permalink)
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Quote:
Originally Posted by SkillzKillz
What are you talking about? Paypal is awesome.

Without Paypal I wouldn't be able to purchase anything online. It is essentially an online bank. I can buy whatever I want with a credit card without the sketchy company receiving my credit card details. Also, I can filel a dispute and Paypal will have my back. The only downside are their small fees like 2.9% for receiving payments or something. But there's ways around that: you can take a withdrawl from your credit card or bank account and deposit into your Paypal balance. Then you can send that money to any other Paypal account and there's no fees. Oh right, and of course Paypal is fricken HUGE and so widely known that almost every e-commerce transaction supports it.
Let's not forget that paypal has their own debit card, so if you have money there (like if you sell things online and that's where people pay you) then you can use the card and it pulls straight from your paypal account without having to wait three days for it to be deposited into your bank account.

Yeah. Paypal is awesome. a NSF problem was your own fault rly.
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09-17-2009   #9 (permalink)
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=.=ll why would NFS cost like 50$, not dat i really care, but they give no warning or watever
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09-17-2009   #10 (permalink)
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Normal banks charge $30 for over drafts, credit cards charge $50+, and the "warning" was in the terms of service. You're just not supposed to spend money you don't have.
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09-17-2009   #11 (permalink)
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They probably expect the user to be aware of how much money they have in their own bank account or wherever the money comes from for your paypal (I haven't used it before so I'm just speculating).

There's a fee for writing out a check when you don't have the money in your account, and that's a $100 dollar fee last time I checked. I honestly don't see the difference between writing out checks you don't have the support for and using spending more money than you allotted on Paypal.

It's your money, know how much you have before you spend it.


Mitchi ninja'd me D: But we more or less said the same thing.
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09-17-2009   #12 (permalink)
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Quote:
Originally Posted by Lyrics
There's a fee for writing out a check when you don't have the money in your account, and that's a $100 dollar fee last time I checked. I honestly don't see the difference between writing out checks you don't have the support for and using spending more money than you allotted on Paypal.
Technically, you can be arrested for issuing worthless checks. Few people are but it is illegal.
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09-17-2009   #13 (permalink)
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Quote:
Originally Posted by NoeJeko
Technically, you can be arrested for issuing worthless checks. Few people are but it is illegal.
Lols it was once out of desperation q_q We weren't totally dry in terms of what was in the bank, but it wasn't quite enough. It was a pretty low value (like $20) so I'm sure it flew under the radar. It was one of those "Damn, this is something we need now but we don't have quite enough so now it's going to cost us $120 dollars, stupid necessities". Course I know nothing of banks and credit and checks being a lowly minor.
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09-18-2009   #14 (permalink)
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Let this just be a lesson to you on how debit accounts work. Debit cards work just like piggy banks. But if you spend more than you have in the piggy bank, depending on the bank, they will cover the cost for you but charge an overdraft fee (sometimes it's just the ladder). It's your own responsibility to log your transactions and keep track of what you have. A countermeasure for this is credit but it's not for the irresponsible. It can get you into a world of hurt if you don't pay your dues on time: interest will build up the debt and you'll get your stuff repossessed.

Checks aren't good anymore in most places for personal transactions and are limited to business checks these days (employee salaries, business transactions, etc.). They've been replaced by plastic due to the large amounts of fraud that occurred during the era of paper checks. Most department stores and customer service departments I've worked at had a check reader which took forever to scan. Some dishonest people would try to give me a check and excuse themselves saying they're in a hurry, but I stop them and it turns out that the check bounces. Businesses without proper security are vulnerable to these people as they can make a run for it after giving you the check.

Eh, debit/credit cards just made life that much easier for clerks and CSRs.
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09-18-2009   #15 (permalink)
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yes...it is a lesson, but since im a kid i dont know any better~:>

edit: i saw some ppl somehow get their money back by asking the bank paying for them, weird...
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09-19-2009   #16 (permalink)
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While they are not obligated, some banks will reverse a first time NSF fee as a measure of goodwill. The banker considers quite a few parameters such as the amount of the overdraft, age of the account holder, age of the account, etc. Still, it's not good business to assume a bank will reverse the charge. It's also usually easier to get a charge reversed when you can visit the bank in person. Some banks, such as the military-only USAA Federal Savings Bank or PayPal have few or no physical branches so it's hard to get an audience with your banker to plead the case.

Like others have said, in most cases (there are exceptions) an NSF fee is completely the fault of the account holder. In rare cases where it isn't (like someone stole your debit card) banks often have policies to deal with this. At any rate, it should be taken as a learning experience to always know your balance before spending money.
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10-26-2009   #17 (permalink)
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bsides all that, paypal is hella slow...takes 4 ever to transfer money from bank
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10-27-2009   #18 (permalink)
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Quote:
Originally Posted by Ken
bsides all that, paypal is hella slow...takes 4 ever to transfer money from bank
ya it's annoying as hell, I don't understand why it withdraws the amount from my bank the next day but takes another 7-9 to actually put it in my paypal.

it's sort of ridiculous, they should have a trust system where if you do it often enough you can next day put money in there like ~50.

Last edited by Esper; 01-09-2010 at 12:41 AM.
 
10-27-2009   #19 (permalink)
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It only takes 1 day for the money to go from bank to paypal on my end. And it takes 3 days the opposite way.

It's better than mailing it (takes longer, not secure) or wiring money (which has fees).
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10-27-2009   #20 (permalink)
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Quote:
Originally Posted by Mitchi
It only takes 1 day for the money to go from bank to paypal on my end. And it takes 3 days the opposite way.

It's better than mailing it (takes longer, not secure) or wiring money (which has fees).

Do you have a premium account or something? even accounts in the states need 5-7 days or something.
 

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