PayPal Prepaid MasterCardConsumerAffairs Unaccredited Brand
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I bought a PayPal prepaid MasterCard because I do some reselling and use Paypal a lot. It initially charges you a 4.95 fee when purchasing. Then it states on the card that it is reloadable and can be used anywhere Paypal is accepted. It states nowhere that you will be charged more fees the minute you register it, there goes another $10 or more dollars. When trying to use it I couldn't, every purchase went into pend mode and never went through. Immediately I went to find reviews on it and found nothing good so I cancelled it. It states clearly that you will be refunded any amount left on the card. What a lie that was, they took all of my money and sent me a check for $2 out of the $100 that was on there to start. Paypal should be ashamed to rip people off like that. I was forced to give a star but it deserves zero stars. When calling I got a person that spoke almost no English and ran me in circles so I gave up and won't ever use them again.
Stayed at a hotel and paid with this dumb card. The hotel proceeded to charge me an extra night after check out. Called PayPal to have card blocked since May 25th. Account went into overdraft still have yet to get my money. It’s June 12th. Rachel ** was very very unprofessional spoke in a demeaning tone and did not share any new info. I’ve been with the company 2 years. Will be closing account once my money is returned. Never ever suggesting this card to anyone with a brain. If I wanted to get ** around I would have stayed with Wells Fargo. Do not waste your time. They don’t even work with you or give you a credit in the meantime, even after all the correct information is provided and you waited for the claim. Do yourself a favor do research. Don’t just sign up for anything.
Updated on 06/12/2018: Called back spoke with a Mel **. Laughed at me explaining the issue. Put me on hold just to reroute my call to the automated service. Closing account with or without refund. Not worth it. I don’t suggest anyone bothers use Chime Bank or Cash App.
I have NEVER had so much frustration with a bank or card. It's been a WEEK since I purchased the card, they do NOT know where I can reload the card, everywhere I tried wouldn't do it except Family dollar. They tell you it's a 2.95 charge which is actually 3.95. And the customer service keeps telling me to send my address to create an account that I have to wait 6 HOURS for, who the HELL makes you wait 6 HOURS for a ** OPEN ACCOUNT tie that in with them CONSTANTLY locking my account every 6 HOURS.
I had to call them 6 ** TIMES. 6x6. You do the math. That's a day and a half and my account is still blocked, and they have the documents, the last call she put me on hold for 10 minutes and hung up when they closed so I couldn't call back and complain, so now I have money on the account I cannot use until you call them tomorrow and wait another,** hours!!! Believe me if I did NOT have to use this company temporarily I would NEVER use it and once my bank account is back to where it should be I'm NEVER using PayPal Prepaid AGAIN.
I’m a Cancer Patient & was told this to all Representative & Managers. They knew I had an upcoming surgery for my 3rd Re-occurring Cancer. They knew how important & critical getting my money back was of an importance to me. On Feb 16, 2018 I made a purchase on PayPal to Merchant: World Wide Org. PayPal removed my funds of $1300.00. The Merchant called me said PayPal took the money, froze his account & holding the funds for 182 Days. I immediately called my PayPal Prepaid & they advise me to submit a Dispute in writing & did on February 20, 2018. They said I would get a provisional if anything after 10th day. The 10th day came & they said more time is needed. And they will review my case again on April 19th. Because PayPal refuses to release my funds.
I called PayPal after many calls with the Merchant, on three way. They ended up releasing the funds back to the Merchant's account. However, because his account was frozen. We had to call again and have them just transfer the $1300.00 back to my account. They said allow up to 48 hours max. I allowed that time & funds still not in my account. Finally the Manager from PayPal Prepaid, Manager of PayPal & I were on the line. The Manager of PayPal was taking my side. Said she wish there was something she can do to help me. But they already released the money back to PayPal Prepaid & they don’t have anything for me on their end.
The Manager at PayPal Prepaid just kept placing me on hold. And said because I told them this was an Approved charge. I didn’t qualify for that provisional during the 10th day of my Dispute. And because it’s on there that they will review & check back on April 19th. There is nothing I can do but just wait. It’s illegal for PayPal to hold my money & they immediately released the funds. That’s very smart of them to do. Now it’s also illegal for PayPal Prepaid to hold my money without my Authorization to them. I have cried & begged to them for my money to be released. I have done nothing illegal & it’s my money, not theirs.
I just got a text saying to call my card before using it again, so I did. Apparently without warning or reason, they closed my account, charged me an 8 dollar fee to close it and robbed me off my remaining balance. Do not use!!!
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I have had this card for over four years with my paycheck direct deposited every month. As I am checking to see if my paycheck has hit, I can't get into my account. I call to find out they closed the account over a week ago! They did not notify me or anything. One says it's due to fraud and another says it doesn't say why it was closed. They said they will be sending me a check for my refund of what was in my account within ten days. I am waiting on that. But now since they didn't tell me it was closed, my paycheck was sent to them. They told me it would bounce and come right back to my employer's bank. Now 24 hours and they still have not sent my paycheck back so my employer can cut me a check. The customer service is horrible and just tells you "sorry for your bad luck" pretty much. I just want my money. I have bills due that now I can't pay.
Don't be foolish enough to think you're buying a PayPal gift card. You pay the $2.95 fee to purchase the card, fine, but then it's $4.95 per month for the privilege of keeping a balance on it. When you call to activate it, you're directed to a fast talking overseas phone rep who informs you that due to Homeland Security Patriot Act blah blah blah you must give up your social security number, address, phone number, email address and a letter from your 3rd grade teacher (just kidding on the last).
Yes all of this is in the fine print mini-phone book issued with the card, but the packaging doesn't tell you that you are OPENING A BANK ACCOUNT. Not an ordinary one, though, something akin to a payday loan check cashing operation. Why yes, please direct deposit your paycheck with us. I wouldn't have gone through with any of this, but of course you cannot return the damn thing, so I spent the money I loaded on it, less the $4.95 fee of course, then called, closed the account and cut up the card. Utter waste of time and money, don't do it.
Paypal extras credit card advertises rewards but refuses to give them. No rewards are given on Paypal extras credit card. If you are looking for a rewards card, keep looking, Paypal gives you points that you can't redeem. The paypal extras mastercard is a scam. As this paypal credit card lies about the rewards, I do not trust paypal for sending money electronically either. I don't want to keep money in the paypal account overnight because it might not be there in the morning.
At the beginning of Feb 2018 I loaded $ 900.00 into my account. I bought gas nearby and then to a smoke shop for cigarettes. The next morning I got a text alert that my account was at a zero balance. I called, filed a claim, sent them the dispute letter they asked for and have called at least a half a dozen times. In their policy it states that should fraud occur and you report it quickly that a provisional credit of funds depleted from your account in connection with fraud can be credited back to your account within 10 days. Which still seems crazy to me when that is someone's livelihood. I couldn't pay my rent or any other bill for that matter and living on a limited income I had no savings.
I'm now living in my car! It's cold outside and I don't know how, even if they credit the funds back, I'm going to be able to find a new place to live having to pay all the move in expenses it takes. It's now the beginning of March and there still has been no credit, when I called last they said I would have an update (not a credit AN UPDATE) from the fraud dept on March 12! I asked to be connected with them but PayPal declines stating that customers don't have access to that dept. It's internal only! I since can't work now, no money coming in, no money for food or shelter, 900.00 taken, no protection from PayPal and now I'm jobless and homeless! Thank you PayPal (prepaid Mastercard issued by Green Dot) for protecting my money and me!
I have a PayPal MasterCard not a PayPal balance. On Jan 19 PayPal withdrew 1000.00 from my checking acct without authorization. Bank made them refund on Feb and Feb 8 PayPal withdrew over 2000.00 from my acct. Bank got it back. Called PayPal to close acct. Said they can't close it because I owe them a 1000.00 for PayPal balance.
I used to have a PayPal debit card a long time ago & it worked great with no fees, but it was discontinued years ago. When I got a message for this one I assumed they had restarted the old card service again, so I signed up. Let me be clear, THIS IS A SCAM BY PAYPAL! Pure & simple. What they don't tell you is this; there is a 29¢ fee for each transaction & a $4.99 fee per month. So, as soon as you put money on the card they take out 5 bucks. Then you get mad & cancel your account, but they have your $5.28. If they do this to millions of people it adds up to a lot of stolen money for PayPal. I'm sure it tells you about this in the endless pages of agreement that you agreed to but no one reads.
Terrible customer service. They talk right over you. After purchasing prepaid card 2 days ago, still not able to activate. I wanted to make it my preferred method of payment on eBay, error message (try again later). Outrageous fees. Tried using on Amazon it was rejected. It's too bad I had to give it 1 star it deserves 0.
After receiving the MasterCard PayPal debit card as a Christmas gift, I attempted to activate it online. For some reason it did not activate and I was instructed to contact PayPal customer service, which I did. To talk to a real person I had to input my social security number first, I was then asked for SS#, date of birth, address and phone number, all of which I questioned for simple activation. After telling me I would be able to use my card anywhere, they then said I would receive another card in the mail to do so. They also stated fraud had placed a block on my account and I would need to send a photo of my driver's license and social security card, which I refused.
The only way to get the cash was to have them send a check and close the account, they attempted to take $4.95 for a service fee, but I asked for a supervisor and was refunded that amount. I will also be contacting MasterCard, but would advise everyone to stay away from this product. They told me the $4.95 was for a monthly charge and $1.00 per transaction, but with a regular MasterCard gift card you can use that card without providing any personal data and have access to every penny, not sure why anyone would go through all this hassle.
The website states nothing about prepaid card not accepted. I entered my cards and they withdraw the activation fees, then when I finally got ahold of someone about adding the totals to my prepaid account they told me I could not do it that I lost the fees and that is too bad. We have thing we have to follow here too. I just wish someone explained this to me before they withdraw all the charges and left me with a prepaid card much less than what it was. I no longer could pay bill due to this. I have now closed account and would tell EVERYONE DO NOT GO THRU PAYPAL. Find info out before you join to see if it fits your situation.
I closed my NetSpend account due to atrocious customer service. Nowhere on the PayPal Prepaid MasterCard site does it reveal that this card is operated by NetSpend. After I received it and discovered that fact, I started arranging for a different account (check out Chime). Same off shore customer service with agents who cannot understand you, they just answer the phone "PayPal Prepaid Mastercard". I will not do business with NetSpend again, no matter what name they use.
I am a cancer patient and family and friends had a fundraiser for me on Facebook. Only raised 201.00 dollars. It was transferred onto my PayPal prepaid after they took their cut. I only received 139.00 out of 201.00. That's 61 dollars not counting the monthly 6 dollars they charge.
I called PayPal customer service to ask about this card. They replied to me 3 times about what this card could do. 1- He told me the money is available right away... I believed him because you know, it's a debit card duh... 2- I could fund my PayPal instantly- outright lie. LIE 3- Could instantly transfer PayPal balance to my card for free. DUH, It's a PayPal card why wouldn't it right? HA! Bought the card at a local store. Was told I had to put at least $20.00 on... okay. I put 50.00. It takes the 5$ instantly. I go online to activate it... After giving them my SSN, birthday, address and fingerprints it then asks if I have a PayPal account (This is the part where you select YES and it'll ask for your PayPal acct info and link them).
I say yes, it says click next and I do... Get sent to my prepaid card homepage showing my 45 $ balance but says in the screen "sorry your request cannot be completed. Please call us at 800-waste of time number"... WHAT??? Are you kidding me. I am experienced with PayPal and I know what this means. If you don't, read the COUNTLESS other reviews. Sadly, a lot of people use this horrible service to send money. They are demanding I send a photo of my SSN card, utility bill, picture of my ID front and back. Are you kidding me... and until I do my card will not activate which means I have no access to my 50.00. Can you believe it? Seriously guys. Is anyone else shocked by this or is it just me??? I asked for a refund and they cannot issue one? I am absolutely shocked. They literally lied, took my money and won't give it back. This isn't illegal??? HMMM.
Maybe I'll consider a career change. I do not want to send all my info and was never ** warned I had to. This is wrong, wrong, wrong. I signed up for ALLY online bank, a real bank, with more ease, not requiring to send this private info. No other prepaid debit cards require this. But guess what?! None are accepted by PayPal. You'll find a forum on NetSpend's official website saying you can, but PayPal states that you cannot! NetSpend lies, PayPal lies, customer service lies. Read all these reviews. Not one good one. I would never spend the time to do this at 2 am on a work night but I am extremely disappointed.
Please do not purchase this scam of a card... You should purchase a regular debit card because you will not be able to link your PayPal balance onto this card. The store will charge you $4.95 and then you will have issues activating the card. The company will give you the phone number to NetSpend, and then NetSpend will give you some "Off the wall" excuse on why your new debit card can't be activated. Then they will finally activate it after arguing with their reps for an hour or more on the phone.
When you get it activated... You will have to call the customer service back at for PayPal to walk you through to transfer funds from your PayPal balance to this new PayPal debit MasterCard... Don't even waste your time... Because they're reading prompts to tell you what you should see on your computer or app... They haven't a clue on how to help you... Then when you try to transfer your funds to your PayPal debit it takes you to a screen that's encrypted... And reads "Apache Tomcat". So unless you're a HTML code specialist... You will not be able to remove that encryption...
That's not all folks... Then PayPal will allow for you to transfer money to any other card or bank account except for the card that bears their logo. I'm usually not the type to report to Consumer Affairs... But this has to stop... PayPal is too established for this to happen to its longtime customers. Either establish with MasterCard's bank or connect to Bancorp... Because it's a mess and it's PayPal is definitely apart of this scam too.
I got this card by mistake thinking it would pull directly from my PayPal account... It doesn't. If you're here and have this card, call PayPal and request a true debit card directly from them. Then cancel your PayPal Prepaid card. Customer service is worthless. It will let me transfer money from my PayPal account to the prepaid card only when it feels like it. Most of the times, it doesn't feel like it. Get this card if you like getting angry, because that is what is going to happen.
I initially got this card because I was in need of a new debit card after having trouble with my last one. I was interested because I already had a PayPal account and supposedly you could link these accounts which was perfect for me. Turns out, this link only allows for you to send money from your PayPal account to your debit card. And despite the claims in the F.A.Q., you can not use the PayPal debit card as a funding source for your PayPal account. You can get the money if you send a money request from your PayPal account to an email that's not associated with your PayPal account but there is a hefty charge for this type of transaction. The card was otherwise fine. I got my direct deposit each month very early (more than 2 days before the scheduled date of and $4.95 a month fee was good but I need a way to fund my PayPal account.
First of all, the $5 a month with PayPal isn't even a good deal considering the other options with a reliable, real bank. The only upside to PayPal is the whole online feature. PayPal customer service is a pain. Believe it or not, the PayPal prepaid card (master card) and the actual PayPal.com are NOT associated with each other, so when you call for help they will have to transfer you to the other one. The lady I get on the phone (always the same one) is always rude, judgmental, and irritating. I am a college student, so using this company to manage my funds at first seemed to be a good idea, but it is not. Unless you use PayPal for small deals, payments, or run a small online business this company is not a good idea.
People who rarely use PayPal maybe have no problems, but just looking at the people who use it on a regular basis can tell you all you need to know. They HAVE ON MORE THAN ONE OCCASION ATTEMPTED TO CHARGE ME $5 twice in one month! One time they even tried it THREE TIMES! I disputed it. But you know, you have to wait forever for that crap to go through. Then they have this account limited 'security' feature. There was an incident where my card was stolen and the person (who actually was caught at the ATM because they had my college I.D and the cashier saw it wasn't me), they used $300 dollars from my account. Because of this, PayPal had to do 'super scientific research' into the matter (which probably meant sorting through all the angry calls considering the wait time on the customer service phone line) so my account had limited accessibility for about a month.
Pain in the **? Kind of! If I happened to need seven bucks for class, or even 50 cents (taken off a card at my school) to use the printer forget it! They assume everyone is a hacker or something which, okay, thanks for the security but. There HAS to be a way to prove it is me?!! All this tells me is PayPal has some serious security issues, or they are just that unorganized of a team. This experience aside, even when everything is going well they create so many problems. To quote the person below me 'hoops and ladders'. You can only transfer funds from your savings account to your card 6 times (or maybe five) but when you have one more transfer left they make you call them to assure them that it is really you transferring the money. The logic behind this is clearly ridiculous.
IF YOU ARE LOOKING FOR A STRAIGHTFORWARD REVIEW/ADVICE CONCERNING PAYPAL? Spend the extra money a month or the annoyance of opening up a real bank account as opposed to using PayPal for your small business or income. Right now I am realizing this is a terrible mistake I made to use PayPal prepaid for all my expenses and income. I would only recommend PayPal if you are running a small business on eBay, or regularly hire people to work on your house or something and like paying them through PayPal. I would never suggest using it to hold funds over 10,000 or even anything over 5,000. I actually have 200$ that I am not sure where it went or was spent, but that is in the past and if you have ever dealt with PayPal it just isn't worth it. Alternatives to sending money would be Moneygram with Walmart, Western Union, and I think Facebook does it now too.
I have been with PayPal Prepaid/Netspend since at least 2012/2013, but the customer service I've been receiving over this issue is atrocious! I have been having issues with being unable to do instant transfers from PayPal to my Prepaid Master Card since early June, but NO ONE WILL HELP ME!!! I have e-mailed, and called the customer service department, and no matter how I explain this to them, jump through all their 'hoops' nothing works, and I cannot perform this. The ONLY way I can access my funds from PayPal itself, is through transferring it to my bank account (Bank Corp.), and it takes 1 business day. If there is a representative from PayPal prepaid that will help me with this, in an honest, thorough, and professional fashion, I would appreciate it, however I have yet to find one that will!
I buy the prepaid MasterCard. Says the easy steps day on the cover. 2 days later, I have sent them all required information. And I still don't have access to my money that they have had for 48 hours. Not only did it cost $3.95 to buy the card and add money they also have taken $4.95 for a monthly fee in the first 24 hours. Here I sit paid fees for money that's mine they won't let me access... Really!!! This is a fraud and I'm not doing here. Contacting the BBB and the Justice and consumer services center in my county. Very unsatisfied... And let down by PayPal. I thought they were a good company. Sad when Wal-Mart card services treat you better than PayPal.
I just bought my card last Wednesday. I put $200 on it. I used it yesterday for a total of $71.87. Well I got online just check out how the PayPal site worked only to learn I have a zero balance and my purchases put me in the negative!!! Not even a week and 6 transaction later I discover I should have left the Dollar General card alone. My daughter told me to get a Master Card from Walmart but I was at DG so I figured they were the same. Undoubtedly not. I have 3 1/2 more hours to wait before I get to talk to a customer service representative but after reading these reviews I can just about guess I won't be getting my money back.
All I can say is they won't get any more money from me to cover the negative balance. Yes, they allowed me to make those purchases with a zero balance. If they have an excuse as to why money isn't in there I may just make an additional $124.00 worth of purchases to make up my $195 I should have had on there. Anyway I'm not a happy camper right now and I have a feeling that isn't going to change after I talk to them. Ugh!
PayPal PREPAID MASTERCARD website will not permit me to do an instant transfer of my earnings. I have spent an inordinate amount of time on phone trying to get help. No one seems to know what to do.
I purchased my first prepaid debit card for my customers who only have cash. This was going to be a awesome part of my small business. I choose PayPal because I've had a PayPal account for years without any issues. I was under the impression that I put money on the card and use my money that's loaded on the card, something very simple. Until I tried to activate the card. I called and was told there was an error activating the card which seemed weird. Next, I was transferred to a representative wanting my name, social security number, address, etc. I didn't understand so I asked if I could not give that information. Next I was told it would be a $5 fee within 24 hours and I could only use the card for in store purchases.
At that point I was almost completely over the card but I had already loaded money. Finally the last straw, I used the card twice for a total of $2.10. The next transaction was at a gas station before I could even input the amount it was declined. I call to inquire why the purchase was declined. I was told the transaction went through and I would have to contact the gas station. Of course the gas station said it was declined. This gas station (declined) purchase took all my funds from the card leaving me with $0. I was only able to use the card for $2.10, that's absolutely ridiculous! I will never ever use this prepaid service again. I was going to have a large amount of my customers use this service. I am happy it happened to me first before I referred my customers to this awful experience.
I would like to make an appeal based on the disbelief and disagreement with the PayPal Prepaid card in association with Netspend. (I'm not a fan of Netspend, PayPal you just lost another customer over Netspend, I know I'm not the first). I have been a loyal member of PayPal Prepaid since 2012, and I have always paid my $5.00 per month service fees even if I was late. This time I was late past 180 days and your policy is to restricted access to one's online account in order to ensure payment of a negligent bill totaling $10, well that policy just backfired! I will not be paying it. You can take the $10 to your third party collection agency. Plus when I asked a manager over the phone to waive this online access restriction without receiving payment over the phone, but rather just trusting that I will pay it as I have always done, denied to do so. So I'm done with PayPal, I have been loyal and even braggadocious for years, its over!
I was already an account holder, but for some reason there was not any refill cards in the store and I couldn't add cash at the register, so I had to buy a new card. Upon purchase I visited the website for activation and was told it was an error and I had to contact customer service. I contacted them and was told I had to send all this personal information (ID, proof of address, SS Card). I sent them all except the SS card. They said they couldn't activate that card and I requested a refund. Needless to say, I will never use their Prepaid cards for anything other than receiving money thru my PayPal account. Do not buy PayPal Prepaid Cards, they are a horrible nightmare!!!
I had a PayPal Extras Card for over a year. I have a very busy work schedule and trusting stupidly that a business will charge me honestly. My payment is due 28th of mo. I pay 19th. They charge me $39.23 each mo. for card sec. I don't know what that is. Then another interest fee of $39. They are robbing me. I have a credit score over 700. I never miss paying and use the services of borrowing money to send, but do use the credit card for purchases. Also my card line 6,000 but charges under 2,000. I make large payments, $300 to $700, sometimes twice per month more than required. What's going on? I feel they are scamming me.
I closed my account on 04/02/17 at 6:48 p.m. cst. I called on 4/5/17 to inquire about my refund for the amount of $551.43. I was told by Ian who identified himself as a supervisor that I would receive my check no later than 4/14/17. I called back again a few days later and was told that my check should be there no later than 4/19. I then spoke with Ira badge ** on 4/19/17 10:21 a.m. cst after I notice that my check didn't come in the mail, I was told that I would have to wait until 5 pm before they can do anything. I called 4/21/17 at 10:37 a.m. cst and was told by Ira badge ** that my account will be forwarded to risk management for stop payment on the check and re issuance. I was told that it will take up to 30 business days. When I was asked to be transferred to a supervisor she refused.
PayPal Prepaid MasterCard expert review by Barbara Friedberg
PayPal, founded in 1998, is at the forefront of the digital payments revolution. In 2015 the company had 184 million active customer accounts in 200 markets with access to payments 100 currencies. The PayPal prepaid debit MasterCard is available to all PayPal account holders. The card is issued by The Bancorp Bank, a Member of the FDIC.
ATM Access: The PayPal card can be used to withdraw cash at any MasterCard® ATM for a small fee. The fee is waived when making a withdrawal at an Allpoint ATM.
Transaction limits: In compliance with Federal regulations, users can purchase up to $4,999 every 24 hours. Cash withdrawals are limited to $325 per withdrawal and $940 per day.
Load from PayPal: Consumers may load funds onto the PayPal debit MasterCard with fund transfer from the linked PayPal Prepaid Card Savings Account. Additional loading can be transacted through the PayPal NetSpeed Reload Network.
Free direct deposit: The funds from eight types of government payments, paychecks and tax refunds can all be directly deposited onto the PayPal debit card.
Rewards programs: Cardholders can save money when the card is used to pay for qualifying merchandise and services as long as the card is linked to the consumer’s PayPal account. There are more opportunities for rewards through the tiered-rate Bancorp savings account. The Refer-a-Friend program rewards cardholders and their friends each with a $5 bonus.
App account management: The app, available for AndroidTM and iPhone®, offers consumers access to their account balance, transactions, alerts and more.
Best for: PayPal account holders, online buyers and business owners. Also, this card is useful for those with high purchase and cash withdrawal limits.
PayPal Prepaid MasterCard Company Information
- Company Name:
- PayPal Prepaid MasterCard
- PO Box 2136
- Postal Code:
- United States
- (866) 753-6440