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HELP!! Paypal account $2000 negative. Soc Sec # attached.

Discussion in 'BlackHat Lounge' started by KP1990, Oct 16, 2014.

  1. KP1990

    KP1990 Newbie

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    Ok, so a month after selling a virtual product for 2k I get a notification a buyer issued a chargeback with their credit card company. This is on an account with my soc sec # attached. What should I do?

    Will this hurt my credit score if I do not pay? I'm in the USA btw.

    What I usually do is accept payments from a fake paypal then send to my real one (this one) with no bank attached and then from this one to my main account with banking info attached. I deleted my banking info off that other one.

    I do not have the money to pay this. However, my credit score is 750 with a 100% on time payment history, I don't want to mess that up.

    Is there anyway to talk paypal into getting rid of the negative balance, anything I can say? I can't produce a shipping confirmation because it was virtual, anything I can do?

    Please help, I've never had anything bad on my credit report before.

    I was thinking of making a fake account, paying for a service to it with my main account then moving the money over to my negative account then reversing the transaction to the fake account. What do you think?
     
  2. Hawkster

    Hawkster Jr. VIP Jr. VIP

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  3. BassTrackerBoats

    BassTrackerBoats Moderator Staff Member Moderator Jr. VIP

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    It's an Algo, of course it can be gamed.
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    You have zero?

    Where is the 2K you got from the sale?
     
  4. KP1990

    KP1990 Newbie

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    Withdrawn to my bank account. Spent along time ago, I have bills. That's the point, I'm not going to pay just because someone fraudulently refunds it.

    It's been more than a month, and they just claim unauthorized transaction.
     
  5. nikchaing

    nikchaing Jr. VIP Jr. VIP UnGagged Attendee

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    Naw son you owe them $2000. However, if you let it go to collections, you could settle it for less
     
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  6. BassTrackerBoats

    BassTrackerBoats Moderator Staff Member Moderator Jr. VIP

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    Your credit may take a hit then. They could go after you if you are unable to pay and they will not negotiate.

    Bummer, Dude, a tough deal.
     
  7. Izzma

    Izzma Regular Member

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    Man, why do you have a username as KP1990?

    Sounds a lot like this guy here KT1990 if you ask me..
     
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  8. KP1990

    KP1990 Newbie

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    Does anyone know for sure if it affects credit? I asked on a paypal board and some said yes, some said no it is impossible if i ask the debt collectors to prove the debt, they can't because I never agreed to any debt, then tell them it's illegal to try to collect if they can't prove debt.
     
  9. tony_d

    tony_d Elite Member

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    Not much you can do with this one... the reality is that you owe PayPal the $2k. Regardless of how the debt arose (whether by fraudulent act of a third party, or not) is totally irrelevant. It's now your debt.
     
  10. everythingred

    everythingred Jr. VIP Jr. VIP Premium Member

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  11. KP1990

    KP1990 Newbie

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    Izzma - First name is Ken, last name starts with a P, and I was born in 1990.
     
  12. antichrist

    antichrist Jr. VIP Jr. VIP

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    LOL!!

    Did you use their service? Yes? Oh damn, that means you signed their TOS which means that you 100% agreed to not fuck them over, which you have done. Time to pay back the money and learn that you should keep some reserve for situations like this.
     
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  13. Malakii

    Malakii BANNED BANNED

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    what if if i owe money to stealth ebay with no real info?
     
  14. jstover77

    jstover77 Executive VIP Jr. VIP Premium Member

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    My guess would be hookers and blow?
     
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  15. BassTrackerBoats

    BassTrackerBoats Moderator Staff Member Moderator Jr. VIP

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    And wasted the rest, John.
     
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  16. KP1990

    KP1990 Newbie

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    Was thinking of calling them up and saying I gave them a fake SSN and I need to give them the correct one.
     
  17. JoeMongan

    JoeMongan Jr. VIP Jr. VIP Premium Member

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    Okay here are a couple of things you must consider.

    1. Telling them you gave them fake information is not going to help you at all and it's going to
    make you a high risk client. That means they will most likely cancel your account.

    2. No way out of it. You owe the $2k man.

    I am sorry this happened to you and know how it feels. Change your business model and leave a
    certain amount of money in your business to cover shit like this. PayPal sucks and the 90 days to
    charge back policy with credit card companies is absolutely ridiculous, but that's how it is so you
    need to cover your ass.

    Good luck with it!
     
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  18. KP1990

    KP1990 Newbie

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    Thanks for the kind words at least lol. Everyone else seems happy and excited as f**** lol
     
  19. Sythix

    Sythix Jr. VIP Jr. VIP Premium Member

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    I got my paypal hacked once, and someone used it for an unathorized transfer, it wasn't a lot (like $22 bucks or something), but I called Paypal immediately, and they reimbursed me.
     
  20. KP1990

    KP1990 Newbie

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    Let me ask you guys this..... If I do pay it, and put my account in good standing again. Is there anything I can do to get them to remove my social security number?