How I Defended Myself from PayPal's Collection Agency

How you can defend yourself from Paypal's Collection Agency.

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Validation Letter template.
Best of Luck :)

CollectionAgency
Address City, State Zip
Re: Acct # XXXX-XXXX-XXXX-XXXX
To Whom It May Concern:
I am sending this letter to you in response to a notice I received from you on (date of letter). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
• What the money you say I owe is for;
• Explain and show me how you calculated what you say I owe;
• Provide me with copies of any papers that show I agreed to pay what you say I owe;
• Provide a verification or copy of any judgment if applicable;
• Identify the original creditor;
• Prove the Statute of Limitations has not expired on this account;
• Show me that you are licensed to collect in my state; and
• Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureau's (Equifax, Experian or TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
• Violation of the Fair Credit Reporting Act
• Violation of the Fair Debt Collection Practices Act
• Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards,
Your Signature
Your Name

[Baddscorpio]

they need to provide evidence they "own" your alleged debt

[carismaticul]

I have exactly same situation like you had, just not 3000$, only 1000$. I owe 1000 to PayPal, and i am waiting for the collection to harass me by phone calls and mails. Never want to use PayPal anymore.

[milklesstea]

I've been told by customer service on twitter that they do not do anything. They don't add more to the debt. They don't send anyone around your house to collect.

[jmckail]

I had this scam too, except im a minor, i don’t think im liable to collectors as im underage

[mxrcoox]

How do I send a letter back?, do I actually have to go to the postal office or I throw it in my mailbox?

[zackanderson]

Man from all the chargebacks and nonsense from paypal..i probably owe them over 10 grand..but why pay if you get money taken from you becuase of buyers that scam

[NxSBob.]

Nice video. Btw, I have a question. I have $300 PayPal credit. If I use $5 of it, do I have to pay it back?

[boxhead]

I DID A "PAYPAL HERE" I CHARGED A CUSTOMER $15 FOR TIP
A MONTH LATER HE MADE A CHARGE BACK ON HIS CREDIT CARD SINCE THIS WASN'T TRACKED SHIPMENT I WASN'T PROTECTED FROM PAYPAL POLICY
FIRST I DIDN'T KNOW YOU NEEDED TO HAVE A "TRACKED SHIPMENT" TO GET PROTECTED NOW I'M IN DEBT $35 BECAUSE PAYPAL CHARGES
$20 CHARGEBACK FEES AND NOW THEY SENT THIS DEBT TO DEBT COLLECTORS

[scottandrewwilson]

Constantly harrassed. And now sold 1500 dollar pokemon card to have chargeback and paypal put me negative and ebay suspended for possible scammer even though i have 100% positive feedback.

[shoopyrust]

i owe paypal £91 and they are sending letters to my door, what do i do?

[thequaffanator]

I got a 2nd letter with this same one saying important information We are required by the New York State Department of Financial Services to notify you of the fallowing information thing, is there still away to fight this?

[dencsgopro]

I getting it right now... but i don't know the laws that good in my country so i thinking of just paying the 250 usd but i don't know im a bit paranoid

[Thundapowa]

So what do I do when they send a letter to my house and can they take money out of my bank I am under 18 and I closed my bank but I think it might be connected to my moms account so can they take money out without permission.

[AliFarooq]

if someone puts social security in paypal account then it will go on their credit ?

[ClutchCombatGaming]

I got a letter from the same agency saying similar things over a $100 debt on a charge back. I sent the product. Should I write them a letter and what should I say in it?

[dudelarson]

Pay Pal sucks. I paid 11.50 for a shipping label I never used, and it said as long as I didn't use in 30 days I can get a refund. I never got the refund so filed a dispute with USPS and was issued a refund. I accidentlaly filed another dispute because I forgot I had filed the first one, and this was a year later. That was dumb of me, but they reversed that and now I owe 11.50 again. LOL. I will never pay. Unfortunately they have my SSN so sucks for me

[usashipping]

Hello,
I was wondering did it had any effects on your credit?
Did they have any access on your account

[Porsche-ju]

imagine having 2 paypal accounts and then sending money with one account to your other and doing a chargeback. The other account where you send it being ofc a throwaway account where you cash it out. Thats like free money huh?

[donnavaughn]

so sad, ty for this. What are you doing now?

[dsqm]

i gave some stranger my account so he could have the money as i was buying off him and my address so he could ship and a year later some persons been on my acount and im -35 and i only know this from letters wtf do i do because the person on my account changed my email passwords