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I fought the PayPal and I won

jessesingal.substack.com

241–250 of 349 posts

Re: I fought the PayPal and I won

#241
post #232

Earlier quoted context omitted.

I just read "Eleven Magic Words" and I'm entirely baffled. Also what a writer, wow.

I don't get it. The lawyer asked "“Is there anything the court would like to review to reconsider?” and the judge said, oh, well "since you have asked if I want to, yeah I guess I do, so I'll just change my ruling for no reason?"

yes

Re: I fought the PayPal and I won

#242

Earlier quoted context omitted.

I lost access to a PayPal account I had used for years, because one day they decided they needed to know the CVV of a long-expired credit card, and refused to let me log in without it. Surprisingly, customer support was very helpful and let me transfer out the (minimal) balance in the account to another, completely unconnected PayPal business account I happened to have. Which is even more disconcerting, because it me…

Does "very very occasionally" mean you use it frequently or infrequently?

[deleted]

Re: I fought the PayPal and I won

#243
post #206

PayPal is such a weird company. I was a loyal customer for 20 years until I wanted to convert my account from business to personal (I closed the business) and the site refused to do so. after months of calls with support, it became clear that no one was able to do this (something locked the flow and no one was able to see what; I guess my account was so ancient, it has some db flags no longer used but still checked b…

Brazil (1985 film) was not supposed to be an instruction manual! The scale of these absurdities is just wild. Years ago I signed up for a domain for my blogger.com blog. At some point google decided to transfer the management of that domain to google workspaces ... I don't know how or why but they did. So when it expired I was told to login to google workspaces, but I don't have a google workspaces account at the ema…

Are there options for small business payment processing that don't invite comparisons to dystopias? I think crowdsourced patronage is a great model for society to fund creative works now that copyright regulations have largely been captured, but with Patreon ignoring security, and paypal being this disfuncional... Is there a safe way to accept something like vinmo for micropayments?

Re: I fought the PayPal and I won

#244

When I originally opened my PayPal account many years ago, the terms and conditions were displayed in a textarea and thus completely editable. So I deleted them before I clicked the confirm button, and ran off a screenshot of the page. I always wondered what would have happened if I'd had any kind of dispute with them; would this have over-ridden the various "we're updating your terms and conditions" emails I receive…

> I always wondered what would have happened if I'd had any kind of dispute with them

NAL, but a contract requires a "meeting of the minds"[1]. You altering the contract without the other party knowing makes it invalid.

The process when modifying a contract is generally to have all parties initial next to each modification to indicate that they've read and agree with the change.

[1]: https://en.wikipedia.org/wiki/Meeting_of_the_minds

Re: I fought the PayPal and I won

#245
Computers have gotten so complicated, exploitable, and finicky that sometimes I feel only some programmers are able to fully enjoy the benefits of them. Likewise our legal system has gotten so complex, exploitable, and finicky that only lawyers can navigate disputes with other entities. I wonder which is a more valuable skill.

Re: I fought the PayPal and I won

#246
post #31

Earlier quoted context omitted.

> If private companies own every method of articulating your views, They aren't. We're nowhere even close. To the point where I can't even envision how that could happen. Perhaps in some sort of fantasy libertarian future where everything has been privatized, including the streets and sidewalks. But that's certainly not anything like now.

> They aren't. We're nowhere even close. To the point where I can't even envision how that could happen. We are pretty close - Mastercard and Visa's (non-public) BRAM rules are pretty clumsy and arbitrary, and effectively do have a tremendous impact on global speech as they are effectively a duopoly. Their terms apply to essentially every business that requires any revenue, and therefore any platforms that people mig…

Yes, I well remember when the US pressured many big financial companies to stop financial transactions with WikiLeaks, and cut off something like 95% of their funding. (Bank of America also didn't like WikiLeaks' planned release of the bank's internal documents.)

I'll note that WikiLeaks is still around, and I believe they could always receive wire transfers. (As a less relevant point, WikiLeaks uses the money for ongoing acquisition and curation, and not only dissemination. The information was mirrored and available elsewhere.)

This therefore isn't an example of b800h's "private companies own every method of articulating your views."

Which other examples were you thinking of?

Re: I fought the PayPal and I won

#247

PayPal is such a weird company. I was a loyal customer for 20 years until I wanted to convert my account from business to personal (I closed the business) and the site refused to do so. after months of calls with support, it became clear that no one was able to do this (something locked the flow and no one was able to see what; I guess my account was so ancient, it has some db flags no longer used but still checked b…

Paypal owes me $200.

They locked an account and wouldn't unlock it.

Years later I get a letter from the State Comptroller about how they are about to receive my balance ($200) from PayPal because they (PayPal) haven't been able to contact me (Don't they have my email address?) There's a number to call, I call it, the PayPal employee says "How do you want your money, check or in your PayPal account?" I choose check, of course, because the account is locked.

And that's the last I ever heard of it. No check. No new letter from the comptroller. PayPal must have kept it. They found a loophole in the system.

It's literally not worth my time to pursue it, so instead I just mention this story in public from time to time.

https://hn.algolia.com/?dateRange=all&page=0&prefix=false&qu...

Re: I fought the PayPal and I won

#248

I want to ditch PayPal. My problem is that PayPal is the primary, and often only method of payment accepted on online auction sites, specially person-to-person of used electronics. I buy electronics by the boat load (I think, never seen the boat) to experiment with them. Most Asian or individual sellers will accept just PayPal. Yes, it is a monopoly in the niche field of online auctions.

I accept that Paypal is part of my financial life. Therefore I aim to manage the risks. I use a "burner" bank account to send and receive funds. It's a bank account with a bank with whom I do no other business.

Re: I fought the PayPal and I won

#249
Companies like Google, Amazon, Apple, and even PayPal are public utilities at this point, and we need better accountability from them. If there's one piece of legislation I think the US needs, it's to make these monstrous, global, faceless, tech companies use a tiny portion of their mind-boggling profits to staff a proper help desk that can actually FIX these kinds of problems. Make the data public, and if the user-satisfaction rate isn't high-enough, stiff (actual!) penalties start being applied until it gets there.

I know this won't be popular here, but I stand by it.

Re: I fought the PayPal and I won

#250

> Arbitration — by design — happens behind closed doors in boring confidential proceedings. So the only information we get comes to us piecemeal, but it indicates consumers and workers win between 1% to 6% of the time. > Notably, neither Square nor Stripe offer to cover arbitration costs, and Stripe even requires the loser of the dispute to pay the winner’s entire legal expenses I am glad the author got it sorted, bu…

We need some modern version of Ashford v. Thornton to abolish forced arbitration.

https://en.wikipedia.org/wiki/Ashford_v_Thornton

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