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I wasn't aware USPS signature conformation required someone presenting ID. Like I said, no one has ever sent me anything that way. Is that the case?
I'm off to close out my bank account. Would still like to hear from people their thoughts on whether this will reach my credit or not.

PayPal doesnt even ATTEMPT to fight chargebacks..I had a buyer file an unauthorized claim saying they didnt order the item.I sent paypal e-mail correspondance,the signature of the buyer(they signed when they picked it up, and they also have to write their address).


I still lost the claim.Long story short, the same guy had bought the same item from 13 differnt sellers.I told them all to file polcie reports(most did) and about a month later I got an email from from the police dept of this guys town, telling me to specify what I was owed.

Not sure if its been too long but the is a thread on this forum about this..Basically you send them a debt validation letter. They have to prove what it is for and exactly how much you allegedly owe them.

Once that bank account is closed, the bank is not at liberty to give anyone your information including ebay/paypal. You are no longer a customer. If a bank gave some-ones personal info after the account was closed, then I would take it up with that bank.

You also have to remember that, if something is on your credit report, doesn't mean it is permanent. You can challenge anything on your credit report. And have it removed. I have had several things removed from my credit report and any online business is the easiest to have removed with all identity scamming.

Well, it's closed now, so we'll see what happens.

Any tips on finding what marks you have on your credit report? Than what steps you take to challenge it and get removed?

Date
Your Name
Your Address, City, State, Zip Code

Complaint Department
Name of Company
Address
City, State, Zip Code

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item (identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.) is (inaccurate or incomplete) because (describe what is inaccurate or incomplete and why). I am requesting that the item be removed (or request another specific change) to correct the information.

Enclosed are copies of (use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents) supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

Enclosures: (List what you are enclosing.)


After you send this letter paypal or collections will have to prove that the account or money owed was yours. Was the paypal account in your real name? If it wasn't in your real name then they don't stand a chance and would be dumb to even report it on your credit.

Thanks, that's quite helpful. What's the best choice for acquiring a copy of your credit report?

You can obtain a free copy of your credit report here FreeCreditReport.com | Free Credit Report and Credit Score Online by Experian
Experian is an international company. BUT BUT make sure that the report is up to date.
Maybe even contact the Consumer Affairs of your state to see what company they might
recommend. When you get the report, go through it carefully and check what is written. Mistakes are made

I've gotta open a new bank account. Any recommendations that are none to work well with Ebay/Paypal (and securing you identity?)? Perferably one that you could sign up with online, but it doesn't matter.

Signed for, the UPS guy asks name during the sign process. So your telling him your name and signing at the same time.

Holds up pretty well in court.

Not really.

I once had a package delivered(the online tracking had my name and said I signed for it).Which i didn't because I wasn't even there! The driver just left the package behind the bushes and called it a day

Yea, I've had so many various things take place with USPS. Sometimes they'll leave it at the door, and sometimes they won't. Regardless of if it even has conformation on it. Like I said, I've never received signature conformation. Does signature conformation log the exact address, unlike delivery conformation that only does the city and zip?

I always ship my items that is over $250 with fedex/UPS with signature confirmation. Fedex/UPS do have better technology and more professional when it comes to delivering packages. Also it is alot easier to file a claim with them in case of a loss.

With USPS on the other hand, you mostly have to eat the losses when something like this happens even you have a signature conf. One thing I find funny was that while I was in line at the Post Office and clerk was explaining to a person that priority mail take 3-7 days to deliver but it is not "guaranteed" to arrive within that period.... so basically the clerk was saying if the package gets there then it gets there.