Dear Kaan Cinkaya,

On 06/08/2007 I replied to the email message you sent regarding your PayPal account. As part of PayPal's commitment to excellence, I want to make sure I met your needs in my response. Would you please take a minute to answer a few questions to let me know how I did?

http://surveys.echosurvey.com/paypal/survey.taf?survey_id=628&user_id=11753194-2CB8-43AF-98A5-ADB4EEE04053

To respond to our survey, please click on the web address above. If that does not work, please cut and paste the entire web address into the address field of our browser. NOTE: Please respond within five days so that you can provide timely feedback to me, Andrew . AFTER 5 DAYS, THIS INVITATION WILL EXPIRE.

If you wish to take the survey anonymously, click the link below:

http://surveys.echosurvey.com/paypal/survey.taf?survey_id=628&user_id=11753194-2CB8-43AF-98A5-ADB4EEE04053&anon=yes

Thank you for your help!

PayPal Customer Support

** An important note from the survey vendor **

In order to process your survey, we must collect personal information from you that are protected by worldwide data protection laws. BenchmarkPortal and its international group of partners are committed to compliance with all laws. We have taken the necessary steps to ensure that we meet the obligations required by country-specific legislation and the EU Directive on Personal Data Privacy. By clicking on the link above you are providing your Authorisation, allowing us to collect, process, access, and/or transport your data to a worldwide website located in Santa Maria USA. This website will be accessible to selected BenchmarkPortal employees worldwide and our client PayPal.

All individuals with access rights have been educated on data privacy laws and the use of personal data, and have signed Confidential Non-Disclosure Statements holding them accountable for compliance.

Your data will be used for the purpose of personalising our content delivery and services to meet your individual needs based on the information provided on our surveys. Our customised approach of providing focused information based on the personal data you provide, will be embraced by BenchmarkPortal and our client PayPal.

BenchmarkPortal will not supply your data to any third party without your explicit Authorisation.

A copy of our Privacy Principles is available for your review. For further information regarding our detailed Global Data Protection Policy, please
click here: http://surveys.echosurvey.com/ebay/bmp_survey_priv.pdf .

For further information on PayPal's Privacy Policy, click here:
http://www.paypal.com/uk/cgi-bin/webscr?cmd=p/gen/ua/policy_privacy-outside

If you want to be excluded from future surveys and survey correspondence, please click below:
http://surveys.echosurvey.com/paypal/opt_out.taf?id=11753194-2CB8-43AF-98A5-ADB4EEE04053&client=paypal

Dear Kaan Cinkaya,

Hello, my name is Douglas and I am happy to assist you with your question
regarding negative balance.

Your account balance is currently negative, due to a recent chargeback
(June 8th) settlement transaction. Your immediate attention to the issue is
necessary.

PayPal sellers are not automatically protected against transaction
reversals, such as chargebacks. If a transaction is reversed for any reason
the seller must reimburse PayPal for the amount of the reversed
transaction, plus any associated fees incurred by PayPal. PayPal may use
funds from any currency balance to recover amounts owed to PayPal for
chargebacks or for any other reason. (A chargeback, or reversal, occurs
when a buyer rejects or reverses a charge on his or her credit card.)
Pending ACH withdrawals may be canceled on the account. Furthermore, any
payments received for an account with a negative balance will be applied
toward the negative balance regardless of a member's Payment Receiving
Preferences. The above does not apply for negative balances that may result
from a pending reversal, such as in a case where PayPal has yet to conclude
an investigation of a complaint or situation.

Please add funds to your account and make your balance positive within the
next seven days. If your account balance is still negative after seven
days, we will pursue all available collection options.

For further information, please view the User Agreement by clicking
https://www.paypal.com/useragreement or copy and paste the entire link into
the address bar.

If you have any further questions, please feel free to contact us again.

Sincerely,
Douglas
PayPal, an eBay Company

Dear Kaan Cinkaya,

Thank you for contacting PayPal.

When a dispute is opened for a transaction you have received, the funds
will be held in your account and will not be available for use. The funds
cannot be withdrawn and will be considered "disputed" until the dispute is
resolved. This ensures that the funds are available if a refund is needed.

Once the dispute is resolved, the remaining funds will be released back
into your account balance.

We are committed to making your PayPal experiences pleasant and fulfilling.

Sincerely,
Dianna
PayPal Community Support
PayPal, an eBay Company