What does PayPal do with a negative balance?

Question

PayPal

Greetings.
Six months ago, I decided to "experience all the benefits of working with PayPal" and started accepting payments via PayPal on my website. The site provides non-material services, no legal basis (nothing is formalized, I act before PayPal as an individual).
Two months passed and I began to feel the benefits, at that time not all, but enough already: 11 transactions were canceled (on behalf of the same client). I described the PayPal situation, explained that the client used some of the funds, and simply withdrew some from the system to QIWI (I have such a "feature" on my site). I didn’t really hope for anything, because I had previously googled and realized the hopelessness of the situation. But he did not lose heart, since the amount is not large, each transaction is not more than $ 3.
A few days passed and PayPal, as expected, said that it could not do anything. The client is always right. Well, right and right, okay, it happens. I won't get poorer from $30. But it was not there. For each transaction, PayPal took a commission of $10! Three times more than the customer requested a refund. $110 for all transactions. That's the benefits of working.
I wrote a letter to PayPal support to find out if I received too many benefits. But there was no answer. I resigned myself to the losses and moved on with my life, simultaneously giving up the benefits of working with PayPal and closing the opportunity to replenish my account from it.
A month later, the same client requested a refund of four more payments, but from a different PayPal account. I decided not to argue and immediately accepted all the losses, in the hope that the PayPal commission would bypass me (I thought it was because the PayPal team was dealing with the dispute). Chose a clause in disputes that I am willing to pay damages. I was charged for the return and again the commission (well, I was mistaken). I had to come to terms with that too.
Two months later, new 7 return transactions from the same client (again from another PayPal account). And again, I decided to choose a different solution, hoping to bypass the commission. I decided to immediately return the money for all transactions, and then in the dispute choose the item that everything has already been paid. But it wasn’t there, new advantages arrived: when trying to transfer money, PayPal says that the client cannot receive payments.
I again wrote a letter to those. support, wanting to find out how I would still peacefully resolve these disputes, without benefits, before it's too late.
Having not received an answer in three days, I decided to withdraw the remaining funds so that they would not be torn to pieces by the draconian air commission (money for a refund is held immediately and cannot be withdrawn).
After 15 days, the disputes closed not in my favor (what a surprise) and I was charged a commission. But this time, not $10 was deducted for each transaction, but $12. In connection with some policy of converting negative balances. So to speak, to provide the maximum benefits of working with their system.
The worst thing is that this client still has undisputed payments. And they are not few.
At the moment, being in a prostration from all the benefits of working with PayPal, I am afraid of receiving new benefits. That's why I'm asking this question.
So far, the PayPal account is $84 in arrears. I forgot to unlink my bank account from my PayPal account. Also there is no longer a working card attached. For obvious reasons, it is now impossible to unlink the account ("Your request could not be processed. Please try again later.").
Question two:
- What will PayPal do in this situation?
- Is it possible to somehow challenge these commissions for air?

Answer 1

I do not believe that PayPal will sell such debts to anyone. They are officially registered on the territory of the Russian Federation, they have your data. We are not in the UK and not in the US. Our legal costs are low. Nothing will stop them from simply filing a lawsuit if they wish. At the same time, you don’t have to go anywhere personally, and your probability of fighting back tends to zero. But the amount is too small. Most likely you will be blacklisted until you pay off, that's all. Well, plus a percentage, but hardly a horse.
The situation is disgusting, I agree. But I also agree that you yourself are largely to blame. What I'm about to say won't help you, but it might help someone who finds this thread with a similar problem.
PayPal as a tool is incredibly convenient. For the buyer. There are benefits for the seller, yes. However, all these benefits end exactly where the problems with the buyer begin. A dispute on PayPal is a very nasty thing, which is very, very difficult for the seller to win. The buyer will always be right. Therefore, a dispute on PayPal must be avoided by all conceivable, inconceivable, reasonable, unreasonable and even fabulous ways. You have done a refund on a dispute with a regular procedure, this is your fatal mistake. We must always remember that this is an emergency option, used only in the most extreme case. I have been working with PayPal since 2007, as a seller - since 2011. As a seller, I have not won a single dispute (there were 3 pieces, probably). A little not your case, but to assess the degree of distrust of the seller, it will do: PayPal made a decision in favor of the buyer even when, in addition to the valid track number, I presented to the "parsing group" a photograph of the parcel packed with written addresses, it was in the mail after the acceptance was made - with track numbers and marks of postal workers, it was against the background of the payment receipt sending (+ a detailed scan of this check). And all the same, I caught the decision not in my favor with the rationale "the seller did not provide sufficient evidence of the departure of the goods."
If your client is ready to solve problems only through a dispute - what for such a client. It is better to wrap up all business with him as soon as possible and not open it again. If he certainly wants to get his money back , in no case should he bring to a dispute and (God forbid) the decisions of the analysis group. Sometimes it makes sense to return the money to him by a simple transfer, perhaps even more than you owe him (but this is dangerous, he can still open a dispute, but you can too). But still, it is better to transfer dubious clients to any kind of Scrill or even Bitcoin (if the project structure allows, of course). It's better not to have anything to do with them at all.

Answer 2

The real moral of this story is only one:
The refund must be strictly for the instrument from which the replenishment was made and strictly as a refund, and not just a payment, otherwise the author will soon discover the magical world of visa & mastercard refunds and $ 84 will seem like paradise.

Answer 3

Is there any way to dispute these air fees?

All commissions are charged on the basis of an offer agreement or some additional agreement to it, which you, most likely, somehow accepted. If it says that for 1 cubic meter of recycled air you pay $ 10 to PayPal, then they will simply refer to it and nothing will be returned to you.
Hypothetically, you can try to sue them with the wording "illegal enrichment." With payments of 3 bucks and a commission of 10, something may turn out, although there are too many nuances that I will not advise you on. Look for a professional lawyer or google for the phrase above.
Call the bank and say they lost the card. Please block her.
Reissue is usually 20 bucks. With a card blocked by a bank, no one will be able to write off money in any way. If the potential loss is greater than the reissuance fee, then I think this might be a solution.

Answer 4

Commissions are their services.
You MUST pay them.
That PayPal is taking advantage of its position and making money out of thin air is another matter.
But the law is on their side.
In fact, it's your fault, you yourself are swollen.
You puffed up 2 times - don't learn from your mistakes.
PayPal has nothing to do with it.

Answer 5

Dispute - it is impossible.
What will do - in general, it's clear - to bother with messages and not let him work with him. How it is leveled - think for yourself, OK?

Answer 6

Is this the correct port?