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Joined: Apr 2006
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I had a guy who stole my identity & brought it back the next day....
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Quote:
but when it isn't affiliated with your bank, there's still the issue of getting the money onto the card.
Hi Pat - Actually that's what I did. My bank didn't have it, so I went to one that did. (I know - diff system here but....)
In this case (e.g.) the Bank of Montreal offered the prepaid service thru MasterCard. I didn't have to open a chequing or savings account. There was a small initial fee.
I put money into the prepaid (minimum top-up $100 though) via my own bank's on-line "bill paying" - the prepaid bank gets listed as one of my bill payers - a great feature.
Does that sound like something you might be able to do? Sure convenient. If you have $$ 
Ian 
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Quote:
I had a guy who stole my identity & brought it back the next day....
Mick, good one.
Did he ask for a refund?
BIAB 2026 Win Audiophile. Software: Fender Studio One 8, Swam horns, Acoustica-7, Notion 6, Song Master Pro, Win 11 Home. Hardware: Intel i9, 32 Gb; Fender Quantom HD8 & Faderport 8, Royer 121, Adam Sub8 & Neumann 120 monitors.
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Nah! He'll probably sue for trashing his!
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Quote:
Quote:
I had a guy who stole my identity & brought it back the next day....
Mick, good one.
Did he ask for a refund?
LMAO!
Yo Mick . . . I hope it did not lower the thief's credit score too much. You are going to have to work on improving that identity if you want to once again be a target.
Later,
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That's really weird, Pat. I've used PayPal for years, and if I've got money in the PayPal account it takes immediately from that, and if I happen not to have enough in the PayPal account it takes immediately from the bank account it's tied to, so I have no idea what's going on. I take it you've tried calling Customer Service, as opposed to just trying to sift through their online support...?
Best, Tom SmithWin10/64 • i7-8700K • 24 GB RAM BIAB 2026 • Reaper 7.57 • Izotope MPS AKG C1000S • IK iRig I/O Pro
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Quote:
That's really weird, Pat. I've used PayPal for years, and if I've got money in the PayPal account it takes immediately from that, and if I happen not to have enough in the PayPal account it takes immediately from the bank account it's tied to, so I have no idea what's going on. I take it you've tried calling Customer Service, as opposed to just trying to sift through their online support...?
Hi Tom,
I think the main problem is I just don't understand how it works yet. During my first attempts I had not transferred any cash to paypal yet, I think that's why it failed.
Nope, didn't call by phone. Couldn't find a phone number.
However, I just transferred some money to PayPal (message tells me it won't be available for 3-5 business days) After its available, I'm assuming I will be able to make transactions at online vendors. That works for me, as it keeps me from making rash purchases. If I transfer the money to PayPal today and still feel like making the purchase 5 days later, then I'm covered. If not, then it may be good that I had to wait
Apparently if I link to a card I can make purchases without any delay
MOST of what I want to buy online is planned in advance and won't matter if I wait until the transfer clears
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Hm. Likely a combination of two things, then -- not having money in the PayPal account, and not specifically authorizing the bank account to immediately cover the PayPal account. You can handle both of those in your account settings, I do believe.
And the phone contact is indeed there, but they make you dig a bit. It's part of the Contact Us pages, and when you click on Call Us, they take you to a page where you log in and get both the phone number and a PIN to give them over the phone. I can only guess the idea is to cut down on calls.
Best, Tom SmithWin10/64 • i7-8700K • 24 GB RAM BIAB 2026 • Reaper 7.57 • Izotope MPS AKG C1000S • IK iRig I/O Pro
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Quote:
if you google something like 'paypal rip-off' or 'paypal fraud' you will find thousands of pretty awful stories.
Perhaps, but that’s how the Internet works (and indeed how all media work).
Guy buys a couple of printer cartridges. Pays by Paypal. Cartridges show up 3 days later and his credit card has been debited with the right amount to an address which corresponds to the seller.
Is he going to post a blog on the Internet. ‘Paypal works and is actually rather convenient’ ?
But this is what happens over millions of transactions.
It is only the errors/frauds (real and attempted)/glitches etc. which show up on the www.
Question you have to ask yourself is how many regular successful transactions take place for every horror story.
There is risk attached to the use of every type of exchange – even cash (you may get mugged walking to the store).
I would argue that, on balance, Paypal is among the safer forms of payment.
And no, I have no connection or interest in this operator.
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Quote:
I had a guy who stole my identity & brought it back the next day....
He must be related to the guy who stole everything from Stephen Wright's apartment and replaced it with identical stuff.
In fact--if he took your identity, how do you know it's still you?
"My primary musical instrument is the personal computer."
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I had over $100 taken from my bank via skype through paypal, I wasn't even using skype and ahve vowed NEVER to use it ! I got my money back within 5 days. Must say it's the only problem I've had in 6 years or so. Use paypal almost weekly buying from Amazon Quote:
No one remembers the big Pay Pal scandal a while back!?! Pay Pal has been hacked, and used for dishonest purposes. I had a friend who was ripped by pay pal, when he bought a microphone on line and it came damaged.
I have talked with many who have had serious issues. I ask the question is Pay Pal safer to allow to have your credit card info, or is a bank?
You could make a case either way.
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2 things I can add:
1. I feel very safe using my Credit Card for on-line purchases. A few times I had unauthorized purchases on my card, I called VISA and they made me sign a simple affidavit to say it wasn't me, and they immediately refunded the money. Another time I was going to buy something from Russia, and I was a bit leary, so I called VISA to check the vendor out... all they told me, if they accept VISA, "go ahead and don't worry.. if anything goes wrong it is our (VISA's) responsibility..."
2. I use PayPal too whenever a vendor prefers it. I usually use my credit card, BUT I also use my chequing account. Howver, YOU HAVE TO HAVE YOUR ACCOUNT VERFIIED before you use it for the FIRST time... it takes a bit of time, but make sure you follow their instructions.... Otherwise it's always instant, and the vendor NEVER sees what you used i.e. VISA or Chequing Account.
Good Luck and Happy Shopping.
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update:
after adding funds from my bank account to my pay pal account, I was able to make a purchase, even without linking a credit card.
FWIW, my bank account was verified even when the transactions didn't work. Apparently the only difference here is moving the funds to paypal before trying to spend them.
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