<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>ck2</author><text>The way PayPal risk management works is to dump the whole problem on the customer, never on themselves. This is why the &quot;guarantees&quot; on ebay are useless and actually a hassle for all parties, except paypal/ebay.&lt;p&gt;Try getting a false charge on your paypal card - the moment you notify them, they instantly cancel the card - but to get the money back you have to file a written snail mail report - and then they do not send you a replacement card automatically, they allow it to remain canceled and never support you otherwise unless you specifically ask for another card which will take at least two weeks to receive.&lt;p&gt;They have no problem with people leaving them as there is an endless supply of newbies and near zero competition with easy entry, because they aren&apos;t competing as a bank and don&apos;t have to obey banking laws.</text><parent_chain></parent_chain></comment><story><title>Redditor burnt by Paypal&apos;s &quot;Rolling Reserve&quot; feature</title><url>http://www.reddit.com/r/reddit.com/comments/l4q2y/please_help_me_expose_this_newest_paypal_fraud/</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>bcl</author><text>PayPal did something similar to me earlier this year. They instituted a 21 day hold on incoming payments because they suddenly decided my business was prone to chargebacks. This is after 8 years of service with &lt;i&gt;zero&lt;/i&gt; problems. Never a complaint or chargeback and 10&apos;s of thousands of dollars through my account.&lt;p&gt;I no longer have anything for sale (I open sourced my AIS Parser SDK late last year) so it didn&apos;t have a dramatic impact on my income. I decided to drop my PayPal and eBay accounts without argument -- if that&apos;s the way they want to play the game then I&apos;ll just take my business elsewhere.</text><parent_chain></parent_chain></comment><story><title>Redditor burnt by Paypal&apos;s &quot;Rolling Reserve&quot; feature</title><url>http://www.reddit.com/r/reddit.com/comments/l4q2y/please_help_me_expose_this_newest_paypal_fraud/</url></story>