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How does PayPal turn any debit transaction into a PayPal account and call it a "guest" account? I ordered from eBay 1 time with a certain bank account. Since then, I had made numerous purchases with my PayPal account. Next I made a purchase, hit the PayPal button, and find out it got charged to this "guest" account which did not have enough money in it! So basically, they can take any form of payment, turn it into a PayPal acct. and decide whenever they want to use it? Oh, and that bank acct, was NEVER added to my PayPal account.
I have been making monthly payments to PayPal and am not making any purchases. But It was disappointing to see that my balance has never really went down and my available credit was low. I talked to a representative and found out that I have been charged over $120 in "interest fees", since September (2018). I did make a cash advance (Sept. 2018) within my available credit and for a $75.00 money transfer, I found out that I was charged nearly $25 dollars in "fees". I read on the web page, how money transfers had a charge of $9. Where did the $25 fee come from? The customer rep that I talked to, said that the interest fees were non-negotiable and I basically have to live with it. It is not right or fair, that only $36 of my $72 monthly payment is applied to the balance. Something's got to be done about them.
PayPal restricted my account after years of having them, for "they say I filed too many cases where I didn't get my items, from sellers". I have never heard of such a thing. PayPal claims they protect your purchases, and you have the right to file a claim, when you don't receive your items. Also they were asked to completely, close my account, after I found out they still have my personal information in the account, my address, my phone number, my email, and my credit card on file.
Every time they were contacted they gave me the same song and dance, and different reps responded to several BBB complaints, giving me the same excuse, "your PayPal account is restricted permanently," and for the reason I gave, which is not right, and they won't remove the private information and close permanently, so they still have access to it. I cannot remove the stuff because they have it in there. I can't, that is not right, this company is not treating people fairly, and have many complaints against them, PayPal, Inc. 2211 North First Street San Jose CA 95131.
I made a large payment to cover promotional balances but PayPal decided to apply my payment towards other purchases instead. Leaving me with a large bill that will now be charged interest. Customer support could not do anything because it was over a month ago.
WEBSITE USELESS with regard to getting your current account summary. When I go to my account page, it does not show the ACTUAL balances and activity, so I am forced to make phone calls to their (unhelpful) customer service reps to find out my balances. Nice reps, very sweet, but don't know (or can't tell you) anything.
The bank-to-PayPal transfers take ages, so if you need to refund money your customers will have to wait for WEEKS. The PayPal agent actually told me to tell my waiting customer that SHE should call PayPal to find out why her refund is taking so long! There is more, but you get the gist. If PayPal had any real competition, they would be out of business.
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I attempted to buy a pair of shoes from what turned out to be a Chinese company and the shoe size was different from the listed size. I kept asking the company for a refund and they repeatedly attempted to get me to accept a discount for another pair of shoes. Finally after several emails, they sent me a refund address to mail the shoes to, which cost an additional 20.00 USD. I finally filed a complaint against them with Paypal since I had received no refund from them and the cut off date for filing a complaint was nearing. Paypal finally returned a decision that I had no proof of having sent the shoes back, which I clearly did. Paypal is clearly negligent in their claims about protecting the consumer and I have subsequently closed my account with them.
Freezing your account before offering you as a customer a reasonable solution. Holding your balance for 180 days without being able to dispute an action. Lack of customer service solutions over the phone or online.
I ordered some items Nov 26, 2018 and used PayPal. The items showed in stock and will ship within 24 hours guaranteed. They were to be Christmas presents. I received an email a couple of days later stating that my items would ship in 2 to 3 weeks. I replied to the email stating that if it were to be more than 2 weeks I wanted to cancel the order. The only reply I received was a generic response stating "Thank you for your patience". Every 3 to 4 days I would send an email asking for an update and all I got back was the same generic response. No actual person ever replied.
After 3 weeks of no shipment I contacted the seller again and cancelled the order and requested a full refund. That was Dec 18, 2018. I never received a refund so I opened a dispute with PayPal on Jan 3, 2019. All I got back from them is that they would make a decision by Feb 7, 2019. They waited and waited until after the items were shipped to me (well after the order was cancelled) on Jan 30, 2019. That is when PayPal sent me an email stating that my claim was being denied because the items were shipped. The items should never had been shipped. The dispute was for a refund not to force the seller to ship the items. I contacted PayPal by phone then and explained the case to a dispute clerk. She stated that I was correct and that I should have received the refund and that there was an appeal process that she could file.
I receive another email from PayPal about 2 hours later stating that my case was still being denied. Not really enough time to review the facts. So it was up to me to go to the post office and return the items at my expense and hope for a refund. If that does not happen I will need to file a dispute with my credit card service and go through the whole process again. How could I give a Christmas present to people the first of Feb when they were guaranteed to be shipped no later than Nov 27. It is quite clear that PayPal only supports its high volume high dollar sellers and could care less about the small individual person like me. All I can say is beware of using PayPal if you think that they will support you in a dispute. They will turn their back on you in a dispute in favor of the almighty dollar.
My account is limited very long time for some reason. This means I can't send or receive any money. Basically I have an account just to watch its beauty. I don't know why they suddenly set my account limited, they told me they couldn't tell me the reason. All they could tell me that my account has too much risk to use it. I requested them to cancel my account if there is too much risk because I have my SSN, phone number, my address and bank account information. They don't even delete these information or close the account. This means I cant use my account but they keep it open so someone else can use it.
If you have Paypal and a Paypal Credit account and have tried to get a refund on a fraudulent purchase that a seller sold you crap or something you could have downloaded or research online for free. You know what I am talking about. Paypal sucks in their dispute resolutions. Their credit line also sucks in disputes as they aren't actually a real credit card company and handle disputes the same crap way as Paypal's usual Disputes. Not like a credit card company that protect its customers and immediately issues a chargeback to the seller. Paypal doesn't care about their customers. Fortunate for me I will be maxing out the credit line and later on settling on the debt for pennies on the dollar using The Fair Debt Collection Practices Act (FDCPA). Take that you ** pieces of **!
PayPal expert review by ConsumerAffairs
PayPal was founded in 1998, and eBay acquired it in 2002. The company now has nearly 200 million active customers, and in 2015 the company hosted approximately 4.9 billion transactions. Customers in more than 200 countries can use the company’s services and hold money in their accounts in 25 different currencies. Consumers can use the service to transfer money to other individuals, pay bills, make online purchases, make donations and obtain financing.
Online payments: Consumers can use PayPal to check out on millions of websites. Those who are uncomfortable putting their credit card information on lots of different sites can pay with PayPal, ensuring their information is stored with a single company.
Credit: PayPal Credit is the company’s financing option, which lets customers have flexible payment options. It can be used online, in stores and even to send money to someone else. Availability is subject to credit approval.
App: Using the PayPal app, customers can make purchases in brick-and-mortar stores with their PayPal account, send money from their mobile device and check out with PayPal when shopping on their device. The app is available for Apple, Android and Microsoft devices.
Recurring payments: Consumers can use their PayPal account to set up recurring payments for subscriptions for a variety of services, including Spotify, Netflix, Angie’s List, match.com, ancestry.com and more.
Fees: Customers do not pay fees when they make a purchase with their PayPal account. When consumers send money to another individual’s PayPal account and use money already in their PayPal account or in a bank account linked to their PayPal account, there is no fee.
Best for: PayPal is best for individuals who want to make payments online with more security and/or transfer money to family and friends.
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