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How long would it take for PayPal to get a collecting agency after you?

Discussion in 'BlackHat Lounge' started by ryanobeast, Jan 28, 2017.

  1. ryanobeast

    ryanobeast Newbie

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    So, purely for research purposes.. I have a question.

    For example, If I lose a dispute with a seller on Paypal, and my account goes into negative balance (it has before).
    I once lost a PayPal dispute for over $600 and my account went negative. PayPal sent me threatening emails but I was using fake details and a VPN so I was more or less invisible. This was back in 2015 they stopped contacting the email after a couple months.

    My Question is how far would a guy need to go for them to take serious action like sending a collecting agency and shit? Can they track you down? Are they resilient? How much money would it take for them start getting legal?
     
  2. AbdulRahim

    AbdulRahim BANNED BANNED

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    if you put your real information , yes they can take you down .
     
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  3. Sherbert Hoover

    Sherbert Hoover Jr. Executive VIP Jr. VIP

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    They'll send it to collections 30 days after it goes negative (my experience is from 2006, things may have changed) if the negative balance is over $100.

    Yes.

    Yes.

    Well over $600 surely. I had over $2k in the red from some bullshit deal I had done that went south. I was 16 though and didn't have a spare $2,000 laying around, and didn't want to tell my parents about it, so I ignored all calls and checked all the mail every day. Six months later they left me alone, after I picked up and told them I was a minor.

    1/10, would not recommend fucking over PayPal. Took me until 2014 before I had a legit PayPal again.
     
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  4. DaPromo

    DaPromo Junior Member

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    First of all, it depends on where you live. Ofcourse. And since PayPal is a US entity, your hardest time would be if you too live in US or are a US citizen. Second, if you use fake details, then no. That's gonna be tough. Sometimes people use these type of fake accounts within transactions or services which can still be linked to you (despite paypal account being on a different person). International debit collection is definitely not easy.
     
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  5. elavmunretea

    elavmunretea Elite Member

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    Just like @Sherbert Hoover said, don't fuck with them.

    I sold a few thousand pounds worth of one item literally overnight and ended up refunding them all because I sold more than the seller could cope with (Lesson learnt. Always have enough stock to cover emergencies like that). The refunds did not fully deduct from my eBay fees and stupidly, instead of contacting eBay I ended up ignoring it.

    Then they handed it over to a collection agency, sent me multiple emails and called me up (despite be blacklisting the number). Eventually, I ended up paying the £50 + collection fee. I guess I was nervous that it would harm me in the future or something (Even when I paid they banned me from selling -wankers).
     
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  6. xcore2013

    xcore2013 Newbie

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    paypal may not really do much but the collection may because they get a bonus if they can get your to pay. Mine was not paypal related but some how collection was able to get my homephone number and start calling me everyday.
     
  7. tunescool

    tunescool Senior Member

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    i actually got a check for $60 from some company because paypal wanted to take action against me
     
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  8. JustUs

    JustUs Power Member

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    I doubt if paypal would take any action. The problem is in proving who you are. There are a few problems with the fair debt collection act. The first is proving you are the person who owes the debt. An IP address just does not cut it. The debt vampires (debt collectors) are another story and will hound you to the ends of hell. Once one debt vampire gives up, it sells the debt to another vampire and the game continues.
     
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  9. koolbrian

    koolbrian Registered Member

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    Very well said. That is what they do. Also my other thought is, the amount of fake accounts people create and the amount of money PP keeps locked under limited accounts with various reasons such as "provide proof of delivery", "provide proof of address", "provide proof of identity" etc etc, I don't think they bother much about just a few negative account balance holders! They are a banking institution these days and think the amount of money they make by investing these frozen accounts' balances. And also think the amount of money people transfer with PP each day and the amount of money PP makes just with transaction fees they charge! These negative balances are just a few drops of water in the ocean.
     
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  10. ryanobeast

    ryanobeast Newbie

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    Thanks for the reply to all my questions man, I appreciate it haha. I'll definitely be taking this into account in the future. :):eek:
     
  11. ryanobeast

    ryanobeast Newbie

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    Good thing I lived, and live in Ireland. Hopefully I would evade some US PayPal laws and regulations.. VPN ftw o_O
     
  12. Rastis

    Rastis Newbie

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    They dogged me with ropey refunds back in 2010 - and left me £ 300 in the red. Sent some emails and eventually restricted the account but that was the last id heard of it. It was a genuine account. I think the ebay account linked to it also went south as well.
     
  13. Tozzy

    Tozzy Jr. VIP Jr. VIP

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    It may depend on where you are but I know people using their real details and having PP account fucked with neg balance of 2k$ or more and PP sent them threats about collecting and whatnot but til the day they're fine. This was in 3rd country, not like USA, UK or EU FYI.
    I think 600$ isn't the amount to come after you though I may be wrong.
     
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  14. Phunky

    Phunky Regular Member

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    They are definitely dicks about it, but not really with collections. About 3 or 4 years ago we were doing some spring cleaning, and came across stuff we just didn't need anymore so we went to eBay. One customer stated they didn't recieve the item (bullshit), and PayPal sided with them.

    It pissed my wife off so bad she refused to pay the negative balance of about $200. They didn't send us to collections but closed her PP and then eventually closed mine too because I was "associated with her". We just opened new accounts, but eventually had to pay it or lose them too.
     
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  15. DaPromo

    DaPromo Junior Member

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    Since you agree to the T&C while signing up to PayPal, you are somewhat entitled to follow it.
    But you know, since you live in Ireland, and legal assistance is still a pain, they would only go after you for considerable amount or other crimes such as money laundery.
    For the debt, they could sell it to a debit collection agency in Ireland, if they ever find your real identity. But remember, everything costs money. They won't pursue you for 100 or 500 cross-border. The cost of the legal action will be much greater than the return.

    Edit: I just looked up the legal framework of debts in Ireland. And like most Europe, it's not illegal to run into debt, unable to pay. (Short version).
     
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    Last edited: Jan 29, 2017
  16. IAmNotLegend

    IAmNotLegend Jr. VIP Jr. VIP

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    I had issue on my PayPal account. I wasn't using it much at that time, so the negative balance of $200 existed on my account. Later they closed the account, but I never recieved a mail or phone call from them. After one year or so when I had to use the account again, I paid up the balance by calling their collection team and my account was restored to what it was before.

    Looks hypothetical version of a story since it's Gaypal I was dealing with, but all went well.
     
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  17. carrotts

    carrotts Newbie

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    As far as I know, in the UK at least, all they do is send menacing letters. I've never known anyone that has had a debt collection agency knock on their door for Paypal.
     
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