Tag Archives: money

Chase Vs PayPal: Like That Scene Where the T-Rex Takes on the Velociraptors

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Something really cool just happened, and I’m pretty sure it’s not some kind of weird April Fools Day joke.

So for the last month I’ve been in PayPal purgatory. (Try saying that fast.) Purgatory began for me when I sent, through PayPal, funds to a friend who has friends in Gaza in need of food and shelter. I named the people I wanted to be the recipients of my funds in my message to my friend. One of the names had “Mohammad” in it. My transaction got flagged by the PayPal police. (Again, try saying that fast.)

PayPal wanted me to give the birthdate of the man named “Mohammad” and wanted ID from me. I sent them a copy of my driver’s license, and told them I neither knew the man named Mohammad, nor his birthdate. Now PayPal told me that I had sent the wrong ID. And I let them know I wasn’t comfortable sending them any other of my identifying papers.

I got more messages from PayPal in the following days, letting me know that until I sent the right ID (I now know they didn’t want MY ID, but Mohammad’s ID), and told them Mohammad’s birthdate, my money was going to be sitting in their PayPal holding tank for 120 days, until the transaction voided out. They told me they couldn’t cancel the transaction or refund my money to me until the issue was resolved.

At this point, I contacted the Better Business Bureau and lodged a complaint. BBB said they’d see what they could do. They told me it might take a while, though.

Then yesterday, I got it in my head to call Chase – the credit card company I’d used to send money through PayPal – and see if I could get a refund through THEM. A lovely customer service agent named Amgika answered my call. I told her I honestly wasn’t sure if there was anything she could do about my PayPal plight (try saying that fast), but I explained the situation: I’d sent money through PayPal to a friend who had friends in Gaza in need of food and shelter. PayPal had flagged the transaction and put my money in their holding tank until it got resolved. PayPal had never released the funds to my friend – she’d never been given access to the money I’d sent her. Could that money be refunded back to me? Amgika said I should expect to see that money credited back to me within 48 hours.

I went to PayPal which had now sent me a message in response to my complaint to the BBB. It was polite, but they still wanted Mohammad’s birthdate and etc. to “resolve” the issue. I let PayPal know that I’d gone to my credit card company, explained to Chase that my funds had never gotten through to my friend, and asked Chase to get a refund for me. I said, “I think this will solve the problem for all of us.”

And this morning all kinds of everything happened involving messages from the BBB, PayPal, and Chase.

BBB asked if I rejected or accepted PayPal’s message to me, and why. I said I rejected it because I’d found another way of solving the problem – explaining I’d gone to Chase. Then I got this polite message from PayPal: “We understand your perspective that the transaction did not complete and that the recipient was not able to access the funds. We also understand your decision to contact your card issuer to request a refund. When a chargeback is initiated through your card provider, the review and final resolution of the transaction will be handled directly by your card issuer in accordance with their policies and timelines. PayPal will participate in that process as required…We appreciate you keeping us informed and understand your intent to resolve this matter. Thank you for your time and patience.”

THEN I got a message that I would find either a letter or a credit waiting for me in my Chase account. Egads. I wondered if Chase had rejected my request. I went to my account and found this message: “Dear KAREN TERRELL: We’re pleased to tell you that we’ve resolved your dispute…We credited your account for the full disputed dollar amount.”

Chase took care of it for me! It kind of reminds me of that scene at the end of Jurassic Park where the T-Rex takes on the velociraptors, and the T-Rex wins! Yay T-Rex!

Look What We found for Free!

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Take no thought for your life, what ye shall eat, or what ye shall drink; nor yet for your body, what ye shall put on. Is not the life more than meat, and the body than raiment? Behold the fowls of the air: for they sow not, neither do they reap, nor gather into barns; yet your heavenly Father feedeth them…Therefore take no thought, saying, What shall we eat? or, What shall we drink? or, Wherewithal shall we be clothed? …for your heavenly Father knoweth that ye have need of all these things. But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you. – Matthew 6

…behold, the kingdom of God is within you. – Luke 17:21

…when has a little financial shortage ever stopped Good from happening? – Karen Molenaar Terrell (from The Madcap Christian Scientist: All Things New)

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photos by Karen Molenaar Terrell

More Malala and less Kardashian, please (or …”when your dreams are powered by your heart…”)

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If money was my only motivation, I would organize myself differently. – Placido Domingo

I went to sleep dreaming of Malawi, and all the things made possible when your dreams are powered by your heart. – from The Boy Who Harnessed the Wind by William Kamkwamba and Bryan Mealer

You must not treat others with cruelty… you must fight – but through peace, and through dialogue, and education… I even want education for your (the Taliban’s) children as well. – Malala Yousafzi (from an interview with Jon Stewart)

***

Amid all the political jostlings and rivalries – the posturing and finger-pointing and self-serving nonsense – I have found reason for hope for our planet.  Two reasons, actually.  The reasons have names – Malala Yousafzai and William Kamkwamba. Where others might be motivated by the desire for wealth or fame or power, these two young people were, and are, motivated by the selfless desire to make the world a better place.

William – whose story can be found in The Boy Who Harnessed the Wind (http://www.amazon.com/The-Boy-Who-Harnessed-Wind/dp/0061730335/ref=tmm_pap_title_0?ie=UTF8&qid=1381549584&sr=1-1 ) – survived famine and drought, and being pulled from school because his family had no money to pay the school fees – to design a windmill that brought electricity to his community and water to his family’s crops. Although his invention brought him fame, and enabled him to return to school, fame was the last thing on his mind when he began gathering the scraps of material he needed for his windmill. He was driven by the yearning to learn, a curiosity to understand how things work, and the desire to make his family’s life easier.

Like William, education was and is very important to Malala Yousafzai. So important that she’s willing to risk her life for it.  So important that she almost DID lose her life for it.  A year ago Malala was shot at point blank range in the head by men who did not approve of her belief that girls in Pakistan should have access to the same education that boys have in her country. Did shooting Malala in the head stop her from speaking on behalf of the girls in her country? Nope.  Watch her in this interview with Jon Stewart:  http://www.upworthy.com/watch-this-incredible-young-woman-render-jon-stewart-speechless

William and Malala are the people I want to hear more about. These are the people I want to see pop up on my Yahoo News.  The shenanigans of our politicians and reality TV stars just do not interest me a whole lot anymore, you know?  I don’t feel ill will towards any of ’em. But I’m also determined not to give any of them the power to dictate the quality of my life.  As Ma Jode says in The Grapes of Wrath: “I ain’t never gonna be scared no more. I was, though. For a while it looked as though we was beat. Good and beat. Looked like we didn’t have nobody in the whole wide world but enemies. Like nobody was friendly no more. Made me feel kinda bad and scared too, like we was lost and nobody cared…. Rich fellas come up an’ they die, an’ their kids ain’t no good an’ they die out. But we keep a’comin’. We’re the people that live. They can’t wipe us out; they can’t lick us. We’ll go on forever, Pa, ’cause we’re the people.”

Money.  Eesh. Gloria Steinem says, “It is more rewarding to watch money change the world than watch it accumulate” – and this, for me, is true. Money holds no fascination for me. It never has, really. It is not an end in itself.  We can’t eat it, create a roof with it, or plant it in the garden and watch it grow. It’s just paper and whatever-else-they-put-in-there. The joy, for me, comes in exchanging that paper and whatever-else-they-put-in-there for things that really matter to me – school, experiences and adventures, music, art, books, providing the basics of Maslow’s pyramid to my family, and community.

As I’ve opened myself up to the infinite forms supply might take – and not limited my idea of supply to “money” – needs and wants have been met in extraordinary ways. I’ve had opportunities, for instance, to do things I always wanted to do, and, rather than having to pay to do these things, I have been given the opportunity to do them for free – and then been paid MYSELF for doing them! And, as I have made time for myself to do those creative pursuits that bring me joy, to express Soul – I have been offered money for those pursuits. I have proven, for myself, the truth of Marsha Sinetar’s words: “Do what you love and the money will follow.”

If he needs a million acres to make himself feel rich, seems to me he needs it ’cause he feels awful poor inside hisself, and if he’s poor in hisself, there ain’t no million acres gonna make him feel rich. – John Steinbeck, The Grapes of Wrath

Wealth is in ideas – not money. – Robert Collier

God gives you His spiritual ideas, and in turn, they give you daily supplies. Never ask for tomorrow: it is enough that divine Love is an ever-present help; and if you wait, never doubting, you will have all you need every moment. – Mary Baker Eddy, Miscellaneous Writings

Where your treasure is, there will your heart be also. – Matthew 6:21