PayPal
reviews and complaints

This here's a review about PayPal, the online payment system. I gotta say, I've had some bad experiences with them lately. Seems like a lot of other people have too, with millions of dollars being held as pending for 3-4 business days before being transferred to sellers' bank accounts. It's a real pain in the butt, especially if you're a small-time seller.

Now, I ain't got no financial interest in any of PayPal's competitors, but I gotta say, eBay seems to be giving them preferential treatment. They've got all sorts of rules about what payment methods you can use, and it's pretty clear that PayPal is their favorite. But there are other options out there, like Square and Bonanza. I've even helped some non-profits switch over to Square to avoid PayPal's delays.

The thing is, PayPal's terms of agreement make it hard to switch to another payment method. They've got a monopoly on eBay, and they're using it to earn interest on sellers' funds without giving them any compensation. Plus, they've successfully blocked class action lawsuits against them. It's pretty shady if you ask me.

But there are ways to fight back. For one thing, you can check your state's regulations to make sure PayPal is following the rules. And if they're not, you can contact the regulatory bureau to get them to change the requirements. Walmart's money centers are also a good alternative to PayPal for some services.

All in all, I'd say that PayPal's practices are pretty unfair to sellers. But there are other options out there, and if we all start using them, maybe PayPal will start treating us better.

PayPal is a terrible company with the worst customer service I have ever experienced. Their app is glitchy and caused me to accidentally make a double payment of $300. When I realized my mistake and called PayPal, the customer service representative was not helpful at all. I had to ask to be transferred to a tech representative, who also couldn't help me stop the payment. They advised me to call my bank and request a stop payment, which I did, but PayPal still managed to pull the second payment from a bank account that I hadn't used in years and was thousands of miles away from where I currently live.

I called PayPal again and spoke to three different managers, but none of them were willing to help me. They refused to stop the payment or refund my money, even though nothing had been drafted from my bank account. I was so frustrated that I ended up screaming at the last manager. I eventually had to close my bank account and delete my PayPal account entirely to stop them from taking any more money from me.

The worst part is that PayPal took $300 from my mother's personal bank account, even though it wasn't associated with my account at all. I had given up on getting any help from PayPal and had to pay off the additional amount with my mother's help.

I manage three gyms and would never treat a customer the way PayPal treated me. Their lack of customer service and care is appalling. I hate this company and would never use them again. They are robbers and liars who steal your money. I even considered claiming fraud through my mother's account to get the money refunded. I strongly advise against using PayPal.

I've been using PayPal for a long time now, since 2006 to be exact. I've never had any issues with them until recently when I had to dispute a purchase. I want to warn other buyers out there that PayPal makes money off of the sellers, so they are more likely to side with them than with you. I made a purchase at Coach, which I have done many times before, and used my PayPal for payment as I have done before. I'll admit, I got lazy with using my PayPal when I saw the button there for purchased because it was easier than having to get my wallet and input my card etc. Well, I won't be using them anymore since they make buyers jump through hoops to prove their cases and despite all of the mounting evidence of emails, tracking, conversations, proof of purchase that you give, it is all considered consequential evidence to them.

My dispute has to do with a purse I bought from Coach along with 7 other items. There were 8 items total. 5 of the items, including the purse in question, were supposed to arrive in the same box. I was charged for them on PayPal and when the box arrived, the purse was missing. I waited for the second box with remaining items to see if it would arrive there, and it didn't. I did the right thing of contacting Coach to solve the issue first. Being that I have bought from them without issue multiple times, I didn't think trying to get the purse I paid for would be such an issue. Long story short, multiple emails, and phone calls, it was not getting resolved. My next step was to contact PayPal, the method of payment I used, and reported a missing item and disputed the charge of the one item, my bag.

Mind you, my total bill was over $900 and I'm trying to get a bag I bought $195 minus taxes and shipping charges, but this proved to be an exhausting endeavor. Despite providing my tracking, telling them with dates included about when boxes were to arrive and what was in each along with which box was supposed to contain my missing purse, screenshots of my email confirmations, emails from following up with Coach, a copy of the transcript and link to where the phone message was left on my voicemail from coach saying they were going to take care of the missing purse?all of it was ignored in my first attempted dispute because coach only gave them the tracking number of the initial box that was supposed to have the bag but didn't as evidence and they were redeemed in PayPal's eyes.

However, if a representative actually even looked at what I sent, they would have seen that the tracking number they provided was the one for the original package that I provided and said didn't have my bag in it. They didn't prove anything. So, I called PayPal back, frustrated that no one obviously looked at anything. The representative told me as much that no one looks at it and it was computer generated to close the case in favor of the seller because the seller inputted tracking which is all they asked for from the seller. Despite the fact I wasn't disputing not receiving a package at all.

I told them I did, but it didn't have everything in it it was supposed to. Now, they open back up my dispute and said they will put it as not as described because it will force someone to have to look at the evidence and actually read the case. Well, Coach replies back with wanting me to send everything back I did receive and they will give me a refund for all of it. Feeling skeptical at how this has been treated so far I call PayPal in disbelief that I have to send everything back because they never sent me my purse and how can I trust them to give me a refund for everything when they haven't given me a refund for my purse I never got and that is all I was disputing.

I was basically told that my evidence was circumstantial and not reliable evidence. I was flat out told by a PayPal representative that I could have photoshopped them. I was shocked. I asked why it had to be everything, and why they changed my dispute when it was about one item, the purse, and not the whole order? I was told this is because they cannot itemize the items I received, despite the fact I can see it itemized on my PayPal account when logged in under transaction history as well as when I created the initial dispute it allowed for me to choose one item with the price of just that item.

I was also told they can weigh the boxes for what I send back to the seller so they will know if I sent everything back. I said great. So what about the weight of the box that they sent me? Can't we use that to prove the purse was missing? I was surprisingly told "no" because how would they know that? I was like from the UPS details provided. I then thought to myself, how will you know when I send everything back I sent everything back by weight if the UPS information isn't reliable? So basically, they were going to go by whatever the seller said to determine my guilt in this dispute. If the seller said anything was damaged or missing, I wouldn't have gotten the refund for those items either. It was completely up to their discretion and given them not caring about fixing their issue of never sending me my purse, I didn't trust their judgement.

I lost before I even started. Seeing this, I kept the items I already received because to be out of $900+ With no product would be significantly worse than being out of the $235 approximately with taxes etc for the purse. I shouldn't have to be out of any money though. I should have gotten the purse I paid for or a refund if they weren't going to send it to me. I got screwed by both Coach and PayPal. I will never buy from coach again and will not be using PayPal as my payment method because disputing with them is a conflict of interest between PayPal and the sellers that pay them for their services.

I could not believe PayPal's view of buyers. My long standing of integrity with the company didn't seem to matter either. I was the guilty party to them and I don't think there was anything I could have done to prove otherwise. Do not give them your service because they don't care about you.

I started selling on EBay when PainPal was just starting out. Back then, money orders, cashier's checks, and personal checks were the norm on EBay, and every seller accepted them as payment. Buyers knew that their payment had to be cashed first before shipping was done, and everyone accepted that personal checks had to clear before the item was shipped. I knew many sellers, and neither they nor I ever had a problem with bad payment methods. I never even heard of anyone complaining that those forms of payment were unsafe.

Then EBay execs got greedy and realized that if they integrated with PreyPal, they could force everyone to use their private method of money transfers and add yet another charge onto every seller's fees. The first thing they did when acquiring the link to PP was to write up new policies claiming that using other payment methods was "unsafe for the EBay community." The only way to be safe on EBay from then on was to use Pain-in-the-[censored]-Pal.

A lot of people were instantly duped by the way EBay cared so much about them losing their money to fraud. They failed to realize that there was never any fraud to begin with, and the only fraud was being perpetrated by EBay itself. PainPal was smart enough to not screw with the buyers' accounts. That gave them enough satisfied customers and ratings to keep themselves looking respectable on the outside.

It was the sellers who incurred all the fees anyway, so why should any buyers complain? For a long time, it was basically only the EBay sellers who were complaining about the extra fees and subsequent problems with accounts. But PreyPal was getting greedier and greedier. Pretty soon, they were freezing seller's accounts right and left, claiming "suspicious activity" and holding all the money in that account hostage for up to six months while they "investigated" the circumstances. They would often limit the account activity, making it worthless to a seller until they were provided multiple documents proving to their satisfaction that the ID was verified.

They had every excuse imaginable why they were limiting or especially freezing your account. Many times the reasons they gave were totally sketchy and made no logical sense. But the victim had little if any recourse but to wait it out. It wasn't long before the forums were jammed with people complaining about their mistreatment by PreyPal. A lot of people were beginning to really hate PP.

But they were stuck with EBay's "safety policies," which gave sellers no alternative to sell on EBay but with PP. There were still a huge percentage of buyers who'd never experienced any problems with PainPal, and they were not convinced right away that these sellers who were complaining weren't just doing so because they were the ones who had to pay the fees.

There are very few people who use PP for only buying that ever get their accounts frozen. That's because PainPal only goes after the accounts with large amounts of money sitting in them, and those are usually always the sellers. Now there are many people who figure that if PP froze an account, they must have had some legitimate reason that the seller isn't copping to.

What I'm going to tell you right now will prove that is absolutely and completely untrue and will expose PreyPal for the thieves they really are. It was just by sheer chance that I was exposed to and told the truth about what goes on behind PP closed doors. A few years ago, I met a man. The how, where, and why I can't elaborate on. But we were in a setting that caused us to speak frankly and openly with each other.

The guy was obviously very distraught and had been for some time. I had just been talking about my current problems and concerns, and that caused him to feel more comfortable in speaking openly with me. I told him he appeared very troubled and asked what it might be. He said he hardly ever got any decent sleep and his nerves were shot. Naturally, I was curious why he was in that condition. He said it was all because of the job he'd been doing, didn't make it clear how long.

I asked how his job caused him so much concern, and he asked me if I was familiar with PP. I said yes. He then went on to explain that he used to work for PP but had quit because he just could not take the strain anymore. When asked why it was so stressful, he proceeded to explain to me that the sole purpose of his job there was to choose random accounts to freeze for long periods so PP could make money with those funds.

He said it was up to him to give some kind of BS excuse why the account was frozen and the money was being held. He said they paid him a large salary to do that, and that's what enticed him at first. But after a certain length of time, his conscience was killing him. He couldn't look himself in the mirror anymore, and it was very difficult to sleep at night. It got so bad he was unable to perform his job anyway, so he just quit.

At the time that this occurred, I wasn't aware of all the hoopla that had been arising about PainPal freezing accounts. So what he told me didn't mean nearly as much to me until I began reading about what had been happening for quite some time. I had quit selling on EBay long before that and wasn't aware of what was taking place there in recent years. But after I've read about what they've done to people, I felt compelled to give my story and enlighten some of the doubting Thomas's who are under the impression that PainPal only does what it needs to for the safety of its users.

I'm sure there will be some who are skeptical about my submission. I can only say that this is what I was told, and I had no reason to doubt the guy and personally believed every word he said. I can't imagine why anyone would want to fabricate a situation like that to involve themselves in. In hindsight, I wish I would have pressed him for more details, but I really didn't realize the impact of what he was telling me, and because of his distraught appearance, it didn't feel appropriate.

I had an interesting experience with PayPal recently. I like to call it "The Federal Phenomenon." You see, when you start talking to some of these stubborn and reluctant companies about involving the Feds, their attitude changes completely! Obviously, they don't want any Federal agencies coming around asking questions, nor do they want more Federal laws and regulations applying to them and their companies. I've used this in the past with other companies, like Humana Right Source, when they wanted to charge me an arm and a leg for some eye drops. And I had occasion to use it again with PayPal.

I ordered some software from a company a couple of months ago, which was supposed to set up a website or two. They insisted that I use their web hosting company, probably because they were getting a commission off the deal! I used my PayPal account to pay for it. When the whole deal began to go sour, I promptly closed the websites and changed the nameservers. I notified the software company and the web hosting company that I had done this, that the software did not work as stated, that I could get almost no technical support from them, and that I wanted a refund! Of course, they ignored my emails! So, I filed a claim through PayPal for a refund, stating that it was a fraud! That it had been misrepresented! That these people only wanted the money and that I intended to pursue it as far as possible. Then I began a long, agonizing process of calling and continuing to call PayPal to follow up on my claim.

It is a real pain in the kazoo to try to get through PayPal's phone system. They put a bunch of recorded messages on first, and one has to prove who is calling by entering the correct phone number and the last 4 digits of the primary account-holder's Social Security Number. Then a syrupy-sounding lady keeps asking what I want. I try to tell her that I want to talk to a live human being, but of course, the dumb machine is not programmed to recognize this as a response. They continue to kill time by trying to send me an email about some of their policies and such! I continue to press and # and 0 and whatever other keys I think may disconnect the syrupy-sounding machine and get me through to a live human being. Eventually, usually after 7-8 minutes, it will connect me with some sweet gal in the Philippines, who knows absolutely nothing except how to speak English and halfway sound like she is in the U.S. I always ask if she is in the Philippines! Usually, they are startled by this question, as they think they are fooling someone! After killing some more time with these people, trying to explain what I want, they usually connect me with someone in the U.S., especially after they realize that they don't know what I'm talking about, can't help me, or all of the above!

PayPal dragged its feet, taking the side of the seller, stating that it was not a physical product but instead that it was a "digital product." In other words, the purchase was for a virtual, digital, or intangible item, which is not covered under PayPal Purchase Protection. We only cover claims involving physical items that can be shipped and tracked. There was no tracking number, nothing was shipped, as the software was a download, there was no item to be received, nada, zilch! So, I kept calling PayPal, and the web hosting company kept trying to tap my PayPal account! One lady suggested I close the PayPal Debit Card, which I did, and apply for another one, which I haven't done yet until I get a final resolution on this claim. Another man said the web hosting company had created a second invoice in order to tap my account. I kept getting all kinds of run-around. PayPal kept trying to decide in favor of the seller, close the claim, and such. I filed a Fraud Complaint with the FTC, even though the total was only slightly over a hundred dollars. After talking to PayPal again this past Monday, I called the FTC again and added PayPal as a party to the Fraud Complaint, since they kept stalling, finding in favor of the seller, and such. I stated that PayPal was a part of the Fraud process, that they were making money off these fraudulent transactions, and such.

In talking to PayPal again this week, I (of course) got their Philippine people and Puerto Rican (I think) people first, as they feed callers there first, then transfer them to someone in the U.S., if needed. The foreigners could care less about the FTC - in fact, some of them don't even know what it is! But those in the U.S. look at it an entirely different way! At first, I began to tell the U.S. "Help" people that I planned to add PayPal to the Fraud Complaint with the FTC, and nothing changed. Then I began to tell them that I had actually added PayPal to the Fraud Complaint with the FTC - and then everything began to change! I also added that I plan to send an email to my Congressman, recommending that new laws be passed which would regulate PayPal as a bank, which it is not! It is a financial institution that provides Internet services to expedite payments, but it is not a bank! So, therefore, it is not regulated by the FDIC like the banks are! When I began talking along these lines, about involving the Feds, their attitude at PayPal changed completely! Suddenly, instead of giving me the old run-around, that they would take my case under advisement, and send it to the right department, I found that the person I was talking with had the authority to make a decision right then, and it was in my favor! He immediately credited my account for the amount claimed! And, of course, he took it out of the software company's account! I was really surprised, in a way; yet in another way, I got to thinking about it, and I realized that they don't want any new Federal regulations or some Federal officials coming around asking questions! Remember this, as you may be able to use it to expedite a claim in the future!

This review is about PayPal, and I have to say, I am not happy with their service. I had a transaction that was not as described, and when I tried to file a claim for PayPal Purchase Protection, the case was closed. I provided additional information, including screenshots of other people who had the same issue with the seller, but PayPal still denied my claim.

I also had issues with the seller's size chart, which was incorrect. I purchased two coats for my 20 lb dog, but they were both too small. I contacted the seller, who offered me a 20% refund and a 50% off coupon for my next purchase. I agreed to this, but then the seller changed their offer and only offered me a 50% coupon. I paid $55.90 for two coats, and I don't think a coupon is enough compensation for the wrong size.

To make matters worse, the seller is located in China, which makes returning the items a nightmare. I have been emailing the seller for over a week, and they are not willing to work with me. They even threatened that PayPal would take two months to resolve the issue.

Overall, I am very disappointed with PayPal's lack of support in this situation. It's frustrating to have to deal with a seller who is not willing to make things right, and PayPal should be doing more to protect their customers. I hope they can improve their service in the future.

I have been a loyal user of PayPal for many years and have always found it to be a convenient and reliable platform for making payments. However, my recent experience with PayPal has been nothing short of a nightmare. I have been harassed, threatened, and discriminated against by PayPal employees, and my health has suffered as a result.

It all started in August 2022 when I signed up for PayPal's pay in 3 option. I made all three payments without any issues, but after submitting my last installment on October 30th, I received an email stating that my payment for September had failed and my account was in arrears. When I checked my PayPal account, it showed that the payment had been received on September 24th, well before the due date of October 30th.

Since then, I have been bombarded with calls from PayPal during my working hours, demanding that I provide my details to verify my account and threatening to make it harder for me to get future credit if I don't process a payment immediately. They have even demanded that I submit a payment immediately, even though I have already paid.

When I called my bank to find out what was going on, they confirmed that the money had been received by PayPal and that there was no record of them sending the money back. However, when I spoke to PayPal employees, they gave me conflicting information and even accused me of not fulfilling my payments on time.

One employee even asked me how many more credits I was struggling to pay, which made me feel embarrassed and discriminated against. I cried later that day and still get emotional when I think about it.

Despite my bank confirming that they had not opened a dispute on my behalf, PayPal claimed that they had received a dispute from my bank and even sent me an email with my PayPal account email and the amount that was being requested back. The email was unprofessional and did not have my bank's details or my name/address. It also requested more money than the original charge, which made no sense.

I told PayPal that I had not received the money and could not submit a new payment of ?200, but they claimed that the money had been sent and my bank had it. However, my bank confirmed that they had not made any dispute on my behalf and no money had been sent back.

After weeks of back and forth, PayPal finally opened an internal investigation and told me it could take up to 15 days for them to get back to me. However, when I called to follow up, they claimed that my complaint had not been accepted and closed my query without providing any explanation.

This whole ordeal has taken a toll on my health, and I almost got admitted to the hospital due to the stress and ill treatment I have received from PayPal. To make matters worse, they are now demanding that I repay ?200 after I have already submitted the payment.

In conclusion, I believe that PayPal is trying to scam me, and I urge others to be careful when using their platform. The evidence I have attached speaks for itself, and I hope that PayPal will take responsibility for their actions and make things right.

I had a terrible experience with PayPal. On the same day that I registered with them, I was ripped off by a registered business attached to PayPal. This site was so fraudulent that I had to cancel my bank card. The PayPal registered business tried to rip me off for over $1200 AUD, and these transactions were not visible on the PayPal database, but were on my bank app. My bank works quicker than PayPal, and PayPal makes money from fraudsters too. So, why not be in cohorts with well-known, poor-ranking, shady businesses? PayPal allowed my money to be 'altered' and 'withdrawn' by one of their registered businesses, and they are not giving me my money back. They have no criteria stating 'discovered fraudulence,' but rather, "didn't receive items." This allows the fraudsters time to send you an order you didn't ask for and continue to withdraw money from your account at the same time. PayPal said that they could not see any of the thefts of large amounts of money from my bank account by their registered business, and this allows PayPal enough time to accrue interest on any 'contested' transactions, simply because PayPal is tediously slow to retrieve stolen funds.

Facebook makes money from an ad, and the business then steals your money. PayPal is 'paid' to ensure 'honest' transactions and keep my money safe. A transaction dispute with PayPal cannot be initiated until my money clears in the 'fraudster's' bank. The 'fraudsters' bank then earns interest, most likely somewhere in China, in a dark alley, with child slave labour or similar going on, because they lied about being in Ohio when they appear to be in China. Everybody in this 'scam' gains, except me. This matter has been reported to the West Australian Major Virtual Fraud Squad.

Additionally, I changed strategies. Rather than getting my bank to retrieve my funds from the 'PayPal Registered Business,' I have initiated a 'funds retrieval case' directly against PayPal instead. My bank is 'awaiting' any transactions by either the PayPal registered business or PayPal and will contact me as soon as any of their transactions show up on my bank account to get the funds back immediately.

When I shop from Australia, Australian laws are adhered to. If I want my money back, I don't need an elaborate reason, coupons, or discounts. My bank will just get my money back because I do not want to make any purchase through PayPal or their shady registered business. I live in a democracy, and frankly, I wouldn't trust them with a child's piggy bank. They are as shady as their registered business.

I cannot believe any 5-star rating for the reviews of PayPal. All negative reviews are consistent with my experience with PayPal and their registered business. PayPal must have a lot of 'happy fraudsters' helping to deceive us. PayPal is full of $#*!

My bank retrieved all stolen transactions from PayPal literally overnight! A high and positive review to the Commonwealth Banking Corporation of Australia! You rock! So proud

I had a recent experience with PayPal that left me feeling frustrated and annoyed. I had provided a service to a client and sent an invoice after the fact. The client paid, but PayPal put the money on hold. In their first email, they stated that they would keep the money on hold for 7 days and then release it unless I provided shipping or tracking information. The problem was, I had provided a delivered service, so I couldn't provide that information. I went to their website and tried to provide a shipping code, but when I clicked the button saying "tracking information is not needed," I received a message saying "We are facing technical difficulties. We are sorry for the inconvenience."

I reached out to PayPal to ask when I could expect the funds to be available. I was frustrated because it was already beyond the 7-day hold period they had stated in their email. I didn't want to close my account, but I was irritated by their rules and mistakes.

Their response was automated and didn't address my specific issue. They explained that delaying funds availability is a common industry practice to ensure secure use of PayPal by both buyers and sellers. They also listed reasons why payments may be placed on hold, such as being a new seller or having performance issues. They provided tips for getting funds released faster, such as providing tracking information.

I responded to their email, calling their response "pure nonsense." I pointed out that their email said 21 days, while their website and messages on my account said 7 days. I had tried to provide tracking information, but their website was experiencing technical difficulties. I had provided a delivered service, and everything was okay, but PayPal was still holding my funds. I was tired of waiting for their lies and was considering publishing a review of my experience.

Their next response was more helpful, but still frustrating. They confirmed that my payment was on hold for 21 days and explained that holding certain payments helps prevent losses and makes buyers feel safer. They provided more tips for getting funds released faster, such as shipping directly with supported carriers and having the buyer confirm delivery. They apologized for the inconvenience.

In the end, my account showed a deposit of 1418 pounds instead of 1500 pounds due to PayPal fees. I understand fees, but not depositing funds in a timely manner is unacceptable. I would caution others to be aware of PayPal's policies and be prepared for potential delays in receiving funds.

PayPal is a payment service that many people use to make purchases online. However, there are some issues with their customer service that you should be aware of. For example, if you have proof that a purchase was legitimate, but the person files a dispute with their bank first and not PayPal, PayPal will make it seem like you actually have a case, which you don't. They won't tell you until they've denied your claim that the buyer went through their bank to file the dispute, and they will suggest you take it up with that bank even though they won't tell you who that person banks with to even allow you to do this. Yeah, that's right. You have to I guess call every bank in the nation and figure out who filed a claim against you. That's their solution. What should have happened is PayPal should have taken my proof and given it to that 3rd party bank and protected me. They instead dropped the ball, didn't provide anything, and let me pick up the pieces.

Their customer service is a nightmare. It's actually the worst I've ever encountered. I've been on hold for over 5 hours today. Yeah, 5 hours and counting. They make it purposefully impossible to talk to a person in hopes that you will just give up. The people who do customer support by replying to your online messages are worse. They say there is nothing you can do. Well, let me tell you there are things you can do.

Call PayPal and be extremely patient. You will be on hold for roughly an hour between each person. You will want to talk to a representative in the "Limitation Team" but that's not a direct option unfortunately so you will have to go through the Disputes department who can transfer you. So, you call in. They ask for all the phone verification (last four of card on file) you enter that. Then you hear a prompt that is purposefully vague followed by another that allows you to say what you are calling about. You will have to yell "DISPUTES" it will then tell you about your status blah blah blah and then ask you other options. You do not have to pick one of these and you do not have to wait. As soon as she asks you yell "REPRESENTATIVE" she will prompt you again, just keep yelling "REPRESENTATIVE" and it will transfer you into the queue for a representative where it will play some hold music and prompts before asking you if you want to be called back. THIS IS A TRAP! They do not call you back. The prompt will say press 1 to call you back or press 2 for more options. Press 2. It will then prompt you to press 1 to hear more about how the call back feature works (spoiler, it doesn't), or press 2 to continue to hold. Press 2. Hold time is usually double what the next recording says it is. They said 30 minutes on mine it was over an hour before I spoke to a person.

Once you've gotten on the line with them they will ask for your name. Even if you haven't called in before you can tell them that you are working with the Limitation Team and that you would like to be transferred. They will transfer you. This will be another hour or more of being on hold.

Once you get into contact with the limitation team, a rep will want to again know your name and they may ask to verify your email address on file. They will then ask you the reason for your call. You have 2 options as to how you want to handle this at this point. You can talk with them, but they are capped out on how much they can reduce or eliminate the charges on your account. They were willing to reduce my bill by 45% which I guess isn't bad but when I did my due diligence and I can prove I did nothing wrong and did not owe anything I'm still not comfortable even paying the other 55%. You can have them apply this discount and then ask politely to speak to a supervisor or after they verify you you can ask to speak to a supervisor straight away. Now here is the really crappy part. The team members disconnect calls all the time and no they don't call you back. It's not your reception, it's not your wifi, sometimes they just let you go even after 3 hours of being on hold and shrug it off. The reason why I say be very polite and specifically asked to be transferred without being disconnected is because your success in this battle depends on their mood. It sucks... it really really really sucks, I know but this is how it works.

I should note that when they put you on hold, sometimes you will hear music or prompts, and other times just straight dead silence where you think the call is bad. It's meant to make you feel like you should start over. I was on dead silence for an hour which was only interrupted by someone responding on the other end. Just because you don't hear typical hold music doesn't mean you aren't on hold. If you feel you have been disconnected double check to make sure your phone still shows that you are on a call and that the time for that call keeps going up. Now, this changes when you ask to speak to a supervisor. Transferring to a supervisor doesn't provide hold music or silence. Nope, it's going to sound like a phone ringing for the ENTIRE time. Which is honestly another thing they've done on purpose to annoy and discourage you. After an hour of hearing nonstop ringing you could definitely say that it could be used as a torture tactic and nothing will make you miss hold music or silence like hearing a phone ring for that entire time.

Okay, so you've been on hold, if you are lucky for about 3 hours at this point to get to the person who can actually help you with this charge, the supervisor. Don't blow this opportunity or you go straight back to the end of the line because they too can "accidentally" disconnect you with no craps to give.

So here we go, bases loaded, you need to swallow your pride and try to be as civil as you can be even if you are fuming, especially when you've had the WORST customer service experience of your life. Try to remember that these people, when you finally do talk to them are people. Grit and bear it before starting with the blow response when they finally do pick up:

Look, I know you have a very stressful job and I don't envy you. I know you get a lot of very unpleasant calls and I can't even imagine how that can weigh on you. My goal is to work with you today to resolve my issue in a way that keeps this from being one of those calls you hate.

This will likely throw them off. They NEVER hear this. You acknowledged them as a human and were able to commiserate in their experience before discussing your own issues. Continue that calm and controlled tone as you explain your issue and what kind of resolution you are seeking. If you get a decent supervisor they might be able to reset your balance to $0.00. If not, I've learned that I get different answers and different options from everyone I've called, so if you feel they are not being reasonable you can try to call and reach another supervisor. This will take another 3 hours, but depending on how much they say you owe it might be worth it.

Here is some more advice that I hope helps. I've seen mixed messages on if/when PayPal will sell their debts to collections companies. I've read where they have never done it and just banned that person from using their account with PayPal, and I've read where PayPal has indeed taken it to collections. I think a lot of this has to do with the amount you owe. You see, and this is important, collections companies will typically only pay about 4-5 Cents for every dollar of debt that you owe with PayPal. Whatever the collections company makes over that they get to keep. If you owe less than a $100 it's just not worth selling it to collections, but if you owe significant money then it absolutely is. Keep in mind that collections companies only pay larger amounts for debts that are secured. They pay the most to collect on mortgage and vehicle debts. Newer debts are also worth more than older debts because older debts are unlikely to be collected on. This

This is the first review I have ever left on any app. I have had a horrible experience with this company and I’m very disappointed with the customer service. Here is a list of problems that I have experienced while using this app and most of them have not been resolved.

Even though I have changed my number that is associated with my account, Paypal is still requesting my old number to verify my identity when trying to add my bank account.
Because of the problem above, I have been unable to add my bank account information which has prevented me from sending items to my customers and has put my business on hold.
I ordered a PayPal card and haven’t received it. When I click “I didn’t get my card” link, in the activate your card option, the link does not work for me. (This problem has been resolved because I received my PayPal card).
In my personal info it says that my billing address (which is my old address) is connected to my PayPal card, which I don’t understand because I added my new address. Because I have yet to receive my PayPal card and the link I mentioned above isn’t working, I am unable to remove/change my old billing address. (This problem has been resolved because I received my PayPal card and was able to change the address).
A friend bought an item from my store, which is connected to my PayPal. Because I cannot verify my bank account information through PayPal I can’t print a shipping label, and can’t ship my item, and therefore have to refund the money. On PayPal, I denied my friend’s payment and it hasn’t been returned and there isn’t an option to issue a refund. This is a problem because the money still isn’t in my account so If I send it back to her with another app, I’d be losing money but I need to give her her money back.
When I called the customer service number in hopes of help, and gave my account information, the automated agent says that she cannot find my account, which doesn’t make sense. I then get connected to some random person at some bank/company who is not directly connected to PayPal and cannot help me with my problem causing me to waste my time.
I have sent them two emails, one in the last few days and the other over a week ago and I have yet to receive a response.
Lastly, I decided that since there was so much wrong with my profile, but I still needed to use it because it’s connected to my depop where I sell clothes, I would delete my current account and make a new one. When I tried to delete my account it says I have to call a number. When I call that number the automated agent says that they can’t find my profile and once again I get connected to a random bank/company that can’t help me with my problems. So basically there is no way for me to escape this stressful situation I have experienced with PayPal.
In all, I feel like I have been stuck in a never ending loop where I am unable to solve any of my problems with this app. This has all been very frustrating and I am very disappointed in how PayPal has handled/helped me through these problems.

I’m new to PayPal and didn’t realize I had two different accounts ( I had a account under two emails ) well I called to ask why didn’t I see my money received under what I thought was my only account and the lady on the other end of the phone ask me the same question so many times I finally had to tell her to please stop asking me the same question because you are confusing me . That’s after I finally suggested she check to see if maybe I had a account under a different email . For some reason PayPal system want Inform them a customer may have signed up with the same number but different emails . So after we got a understanding that my money was under my old email address she then told me I had to close one account, since my bank information was with the new email address I said close the old email address . She said she could not . ... I was like ok what do I do , to get my money because you can’t put the same account under two different emails . Now don’t forget she had ask me to perform the same task so many times I was kinda confused but she said I can just transfer my money from the account with no bank information to the one with the bank information. I thought that made sense so we went through the steps, well come to find out I didn’t transfer the money but instead I PAYED ( PayPal Fees ) to have money taken out my bank account and deposited into my PayPal account and luckily it didn’t put me in the Red ... but the part that really gets me is that the entire time I was doing that the PayPal associate was mirroring my account and never told me I made a mistake when she knew what I was suppose to be doing. The reason I think I made the mistake is because just like she kept asking me the same question overs and over , when doing a PayPal transaction the steps it take you through keep asking you the same question OVER and OVER and Over ! So by the time you get to the end of the process you don’t know what you just did ! ...NEW ISSUE ON GETTING MY REFUND From A merchant ( ridley-mall.club) I bought linen pants that I saw on Facebook that took two months to for me to receive and after receiving them they were messed size dramatically and now the merchant wants me to pay for shipping to return overseas to China when clearly they were mailed from New York...So to discourage me from Mailing back to China they are offering me $60 on $127 purchase which is crazy ! telling me to give the pants away that I paid $127 for but telling me to give the pants away ! Why can’t I get my 127.00 and give the pants away for them ! And PayPal is going back and forth with me about what I want to do when I have said from the beginning is all I want to do is GET MY Money BACK. All 127.00 and I will ship the pants back to the address from which they came from . So I’m to closing this account because if we ever start excepting half- refunds on online order we are Doomed ! And the Rich will really get richer ! I would rather go to a brick and mortar before I start excepting half my money back on online purchases

PayPal has officially decided that the customer is always wrong and is automatically guilty of anything that they can profit from. Usually, it’s on-line scammers that are the only one’s protected because PayPal gets their percentage cut from them, so they’ve redesigned their entire website to make it virtually impossible to get any valuable information or any assistance. It’s not possible to speak with anyone on the phone and messaging takes many hours for every chat response or question asked and then it’s never the same person responding and that person can’t read previous messages or even the one you sent. They’ll just make a nonsensical remark, give you false assurances and/or lie so they can go on to the next person, knowing that they won’t have to deal with you anymore, so now you get to start all over with another world-class award-winning customer dissatisfaction agent that can’t and wouldn’t read previous messages and so the perpetual cycle of frustration and anger begins until you finally wise up and just quit! The app isn’t intuitive and previous messages or responses are very rarely able to be viewed by you or anyone. If a seller literally sent you their own garbage, PalPal demands that the customer has to pay to ship it back to see if the seller will credit you back for the product ONLY, shipping charges are not refunded and prepaid return labels are not given, even if the shipping cost is more than double what the product originally cost to begin with! Who in their right or left mind would return the garbage to maybe get only half of their money back from someone who quite literally sent you their garbage and even confessed to doing so in writing, yet PayPal sides with the seller that commits fraudulent bait and switch techniques because they make their money from each transaction and they don’t want to bite the hand that feeds them, so they now instruct everyone to take the matter up with your lending institution, so it shields and protects their racketeering operation. It would not surprise me at all if the on-line scam sellers were actually PayPal employees because of how lucrative and easy such a system would be. They even save money by shipping out their garbage to you-genius level thinking,hmm, who could be that smart and rich from there‍♂️?!? Starting in December 2022 PayPal changed their policy to further protect themselves from customers by NEVER covering or requiring the cost of return shipping, even in blatant cases. Yet, they have the audacity to tout their so-called Buyers Protection Policy, which is false advertising in of itself! I spent almost 60 hours over almost 3 months learning this the hard way and have since found a mountain of evidence that this business practice is widespread and designed to merely string you along until you give up, shoot yourself in the head, go insane or die of old age whilst they’re laughing all of the way to the bank on Mars! I know that he doesn’t own it any more than he did, nor any less; that we know?! Evil genius level obese business model that’s ugly when exposed! !BEWARE!

I used PayPal for several years, moving significant amounts of money through it, without issue. My account has a long history of legitimate transactions, as do my other financial accounts. I’ve never been implicated in fraud, I’ve never even been overdue. So don’t think my story is just something that happens to other people. This can happen to anybody, at any time.

I recently changed checking accounts. When I tried to remove my old account, the website said only “There was a problem.” I called into support, and they removed the account for me. I asked them specifically: I’ve heard many PayPal horror stories, are you completely certain that this won’t cause some system to lock my account? “Yes.”

When I tried to add my new account, the website said only “There was a problem.” I called into support, and they added it for me.

When I tried to withdraw my balance into my new account, the website said only “There was a problem.” I called into support, and they said my account had been automatically locked after the checking account switch. They said it would be lifted in 24 to 48 hours.

After 24 hours the hold had not lifted, so I called into support to check up and was told the hold would take at least 48 more hours to lift. I was told I could withdraw cash at Walmart, for a fee, in the meantime.

I went to Walmart and tried to withdraw cash. The app said only, “There was a problem.”

After 48 hours the hold had not lifted, so I called into support and was told I didn’t yet agree to a terms of service update. After I walked the agent through my account information, he realized this was untrue and told me it was a verification issue. After I submitted additional verification to no benefit, he told me a supervisor would call me back in half an hour, and an internal ticket had been created to review my account’s issues.

After 3 hours, I had gotten no call back, so I called support. I was put on hold for about 20 minutes, then spoke to a supervisor, who told me that it’s not a ToS issue, it’s not a verification issue, but there’s a temporary security hold on my account that will be lifted in 24 to 48 hours.

That was a day ago, so I’m waiting on that timeout and the internal ticket. I’ll update this review if they go anywhere, but really, what do you think the chances are?

Throughout the process I was told adamantly that customer service has no power to correct this issue. That this was the security system, not them, that they can’t control the security system. You may as well tell me it’s not you punching me, it’s your fist. When PayPal puts a wall between the people they’ll let you talk to and the people who can give your money back, effectively refusing to speak to you about the money they took from you, that’s intentional.

Update: I got my money. The timeout didn’t happen and the internal ticket didn’t go anywhere, however, I called in again, and was told that my account had progressed from locked in a way they can’t override to locked in a way they can. Maybe just timing ... maybe this review prompted some proper investigation. Rating changed from one to three stars.

Secure? Pffffft! I used PayPal for years without a problem. Then I got married and had to change my name. No matter what documents I submitted they would not change my name and therefore my account was constantly having verification issues.

I switched banks and took the opportunity to open a new account under my married name. Somehow they managed to mess that up too, by making my middle name show up as my last name. Once again constant verification problems because my bank uses my CORRECT first and last name and they would not and claimed they COULD NOT change my name to it’s correct form. Because of this name issue, the account could also not be verified with my drivers license and social security card because they too had my correct name on them.

To add insult to injury, I cancelled a subscription for which I was paying through PayPal in order to take advantage of PayPal’s supposed fraud and identity theft security, which I’d utilized successfully in the past. What I didn’t realize was that PayPal started outsourcing their customer service to a cheaper and inept company. They can’t help anyone. Oh, except of course for scammers. They help scammers steal your money and your identity. To get back to my example - I cancelled a subscription through a company that chose to continue charging me and recharging me over and over again. I was in a fight with the company over it but PayPal would neither block the company, nor deactivate my account when I requested it because there was always an action “pending.” Of course there was an action pending - the scammers were charging me over and over again! I couldn’t make any actions to rectify the situation except to my open a dispute. I did. PayPal asked a few stupid questions to ME - not them - and decided the company was ok for charging me. What in the actual hell? So then I wanted to permanently close my account and they said that even though I FINALLY convinced the company to stop charging me and there was no pending action, the dispute itself was an action pending, which disabled my ability to cancel my account. So my information was being held hostage because they REFUSED to cancel the dispute and the account. I had to wait for the dispute to settle they said. Even though they’d already found in favor of the scammers! So while my account sat there, HACKERS got in and started sending out payment requests to government workers in another state. My home state. So now it looks like I am doing this and I can go to court and possibly to jail! What did PayPal have to say about it? “Oh, that’s not good. Yeah. Sorry, we have to wait for the dispute to clear and then you can cancel your account from your side.”

Oh really PayPal? So, you have allowed me to be charged over and over again by TWO scammer companies (I only provided one story here, but there were actually two separate but identical situations) AND are allowing hackers in. Thanks so much. And eat poop. Eat it.

As soon as I can, I am deleting this account and going to other companies for these services. But I will make sure to wait and see other people’s opinions first and try to avoid any more of this ridiculousness.

I’ve had PayPal since the year it was released.
I’ve had several un-shipped purchases resolved via PayPal on several occasions.
I’m not a spokesperson. I can only offer some advice on what I’ve learned over the years.
I will always recommend PayPal for any transactions.

Be sure to email the other party involved before you file a dispute. In fact, the more you send over time, the more smoothly your dispute will be resolved. If you don’t contact the other party, PayPal won’t help you. IF the other party doesn’t respond, PayPal is on your side.

It’s best to have verified tracking information that shows what has happened to your shipment. I try and get the seller to mark my packages “Signature Required upon Delivery”. The only problem I’ve had is with FedEx drivers who will sign for you when they just drop-off your package which will be missing (wrong address or stolen).

PayPal will only resolve problems when the items are shipped to your own verified address or if you ship items to a PayPal member’s verified address. Only PayPal members can have a PayPal verified address. Never make transactions via PayPal with a non-PayPal member (person or company). They will only resolve transaction problems made between PayPal members.

I’ve had a purchase dispute resolved when the item wasn’t even shipped. The seller’s refund payment was not available due to insufficient funds available in their bank for my refund. However, PayPal refunded my money.

I’ve transferred several hundreds of dollars at a time via PayPal to friends & family.
Money transfers are made only into a member’s verified bank account. The recipient must “accept the transfer” or else your funds are not delivered and may not be available to you.
Also, the funds may not be available for several days after receipt of a money transfer or after being deposited into you account.

I’ve used their credit services without problems.
I’ve even made cash deposits into my PayPal account via giving cash in PayPal approved stores (generally CVS). The only problem I’ve had is when the store screws-up.
Also, you cannot make any cash deposits over $500 at a time, more than once in a 24-hr period, or over the maximum dollar amount during a set period of time.

NEVER EVER USE OR ACCEPT CREDIT CARD PAYMENTS WITH PAYPAL.
I’ve learned this the hard way!
It’s safest to only accept payments based on customer’s available cash being held with PayPal or withdrawn directly from the customer’s bank account.
Credit card purchases via PayPal may not be resolved for some disputes. The card holder can dispute the transaction & you will be out the product and any funds you might receive. It’s the credit card company that will over-ride PayPal.
I got screwed on that one time. Not again, NO CREDIT CARDS.
If you pay with a credit card. Your refund goes back on the credit card, not into your bank account, or directly with PayPal.

Problems are frequent with several overseas sellers. Just understand that the currency fluctuations and the time needed to receive your purchase will drive you crazy. It some cases, PayPal cannot help. If it does, it may take a very long time. I’ve learned that the hard way.

In Feb. 2021, PAYPAL implemented some fake news guideline or stipulation in their nonsense rules & fine print. This very piece of thoughtless nonsensical “Rules just look good, to have SO many of them in our website” brand of thinking, has now officially left me nearing & swaying back & forth, right around the Apex of $1,000 in Crypto. THIS ISSUE SHOULD HAVE BEEN VERRRRRY MUCHLY RESOLVED BACK IN AUGUST. But, instead….?

They’ve forced me to call AT LEAST ONCE A WEEK for these passed 90-ish days.

And, yes, as you’ve deduced by my tone of voice-wordings, they’ve of course NOT provided ANY assistance or answers. They now decided that whatever it was that was messed up, within their well too broad of scope nightmare structurized seemingly Monopoly on online world buying, selling, trading, bartering, farming, slave labor & endentured servitude rat race face garbage dump truck trolly track, WallyWorld Reality, THAT I WAS TO BE PERMANENTLY BANNED FROM EVER HAVING A PAYPAL ACCOUNT EVER EVER EVER AGAIN. Yes. FORRRRRR…… EVVVVVVVV…… ERRRRR….. just like The Sandlot film.

10 months later.
No more COVID-Cash from Headquarters, and I’m about to start drafting a will or seeking out an attorney, whom, after my passing, due to my lack of my VERY MUCH NEEDED MEDICATION, which I am unable to afford now, maybe I’ll be able to finally be sick enough for it to finally pay off for my mother, and my death will be hailed in the real news, Trump news, all news & media…. fingers crossed, for more additional rotten awful garbage customer service.

Then, just the other day, A PAYMENT WAS MADE FROM MY ACCOUNT!

So, sure, they are now able to pick n choose what they’d like to do with my personal funds, which, at one time, I considered to be the safest swiftest easiest place to store savings and subsequent crypto purchases, from throughout last COVID year.

This money was my very last nest egg, to ensure my survival, after all was said & done with the COVID cash, and the economy does what it always does, and screws everything up, for everyone! No matter how much we have thought we’ve appropriately planned ahead and have been nothing but responsible.

Places like PAYPAL will ALWAYS find some kind of loophole to ruin your life, and they deserve less than a single shape that comes close to resembling a star.

I hope that just one person reads this, can relate to my story, calls me up, leaves me many messages for years, outlining a plan to start our own company, that has one pure simple objective, and when that one person sees this, they will know EXACTLY to which field of industry to which I am referring….

Happy ChemTrails, and Vaping for your 5 yr old kids birthday parties, you small minded inconsiderate selfish, trailer park back room fishbowl scum sucking bottom dwelling blah blah blah….. HASHTAG - LIFEFACINGDEATHBECAUSEPAYPALLIVESLIFEFROMFISHERMANCAPTAINSEAMENNAZI’sTRUMPLOVERS.

P.S. - I am for sale. I am living that bedrest life. If you, no. Not you, PAYPAL, but if you, the Consumer needs me to write some scathing nonsense to anyone, I would be glad to do it from home, and rates will be Sussed out, as we go. Hit me up. Let’s ruin everything that is already bad, anyway!

Very disappointed in PayPal over the last 3+ months, despite the fact that I’ve invested in PayPal stock — for the long term.

Why am I disappointed?

I’ve used PayPal for personal financial transactions and for fund raising for my college fraternity. It’s the latter, use for fund raising, that is the source of my profound disappointment.

Again, WHY?

1) PayPal used to offer Money Pools that were GREAT for fund raising — so long as non-PayPal contributors were warned NOT to use a credit card for their donations. (The issuing credit card financial institution treated the donation as a CASH ADVANCE to the credit card if a PayPal non-member used a credit card to make a donation. That would incur interest charges, each day, from the moment of one’s contribution until it was paid in total to the financial institution.)

2) PayPal Money Pool users were given advance notice from PayPal that all Money Pools, and activity therein — including donations to Money Pools — would be discontinued and removed as convenient donations tools — by the end of October .

3) As a result of the notification of the discontinuation of PayPal Money Pools, I sought another option to accomplish the same within PayPal. (Previously, with a Money Pool, requests for contributions were conveniently limited to individuals who received a specific, individual email from the Money Pool “Host” [me] to contribute to that specific Money Pool website — within PayPal.) As a result, I began a “Fund Raiser”, as opposed to a Money Pool, for an event that occurred in early September. My concern had been that some contributions/donations might roll into the site after October 31.

4) The process of simply beginning to set up the PayPal “Fund Raiser” was FAR MORE involved and confusing than setting up a Money Pool. It was a ROYAL PAIN!

5) The ABSOLUTELY WORST PART of having set up the “Fund Raiser” is the fact that, COMPLETELY UNBEKNOWNST TO ME, the PayPal website URL for my specific group of individuals (my fraternity brothers) to whom requests for donations would go out ended up going out TO THE ENTIRE UNIVERSE ON THE WORLDWIDE WEB!

6) The result of the above — requests for donations going out ended up going out
TO THE ENTIRE UNIVERSE ON THE WORLDWIDE WEB — was that a LARGE NUMBER of what appeared to be scam $1.00 donations on credit cards from individuals, whose names appeared to be HIGHLY SUSPICIOUS, from outside the U.S., were coming in. Even a PayPal technician I worked with over the phone suspected the “credit card holders” were using STOLEN credit cards as a test — in making the $1.00 donations — to determine if they could, in fact, use the stolen credit cards.

7) I immediately shut down the PayPal “Fund Raiser” but continued to put money into my PayPal account to reimburse the suspect “contributors”.

8) Despite the fact that I began furiously making repayments, as best as I could, back through PayPal, the process was then, and continues to be, an ABSOLUTE NIGHTMARE. It’s a travesty that is ONGOING TO THIS VERY DAY!

9) As a result of this I can’t even use my PayPal account now to even send $1.00 to a family member!

10) Do NOT use PayPal for fund raising contributions! They will do next to NOTHING to help a member/customer to successfully resolve such issues.

DO NOT ever use PAYPAL and DO NOT ever use STOCKX ever you WILL get SCAMMED! someone somehow used my PayPal Weather it was the PayPal cash card my email for PayPal or my PayPal credit card I don’t even know how this purchase was really made all I know is that all I wanted a special edition valentine day shoe in an order to get that my friend showed me a website that was called stock ex I ordered that shoe I got that shoe and I love that shoe but then something crazy happened I got an alert saying that I made another charge to this company so I’ll look into it long story short at the end of all of this trying to get the company give me Mark my money trying to get Paypal to give me back my money trying to get it resolved somehow paypal said that I started getting reoccurring charges to my account through the cash card no I cancel that and get a new one and then somehow they charge my bank card for over $500 for I don’t even knowto make a purchase try to contact that company that the purchase was made through could not get a hold of them they would not contact me whatsoever so since I didn’t make or authorize or prove anybody to make any purchases via my PayPal I didn’t go through PayPal because I can’t contact that company Paypal looked into it I missed an alert from Paypal they close my case but since I had closed my cash card because that’s what I thought it had been made through I thought I just receive whatever the purchase was and return it get my money back that way it’ll be no big deal waited for that package that package said it was delivered it was not delivered so then I kindly call Paypal back and they kindly reopen my case because I didn’t authorize the purchase in the beginning so now I don’t have my money and I don’t have whatever was purchased they open my case they give me the money for what was purchased and said if the company can prove that I made the purchase and that It was delivered to me then I would have to give the money back so I said great that sounds amazing let’s do that because for one I didn’t make a purchase again and I didn’t receive the product from the company or I would’ve just returned it and got the lmoney back that way so the other day I open my account no big deal and now I am negative that money because they just told me that I am a liar and a thief that somehow this company can show that I bought this item and they delivered it to me which they cannot at all because I clearly did not make a purchase and I definitely did not receive a product! I made one purchase from this company StockX do not buy from them anything I bought one pair of shoes it’s like 100 and some dollars they were a special edition Nike shoe for Valentine’s Day they then started trying to charge my PayPal card reoccurring charges is mow Paypal told me then they take out over $500 for something out of my account then Paypal says they can prove that I did this when I didn’t do anything of the sort what in the world is going on I am never been so upset angry disappointed mad and frustrated as I am right now in Paypal how do you prove something that never happened I’ve been using this and only this appFor years and from this deal and I will never use this app ever again I never made a purchase I never authorized a purchase I never received a product I couldn’t return anything to get my money back nothing and they would not cover me for this wow

If i could give it 0 stars i would. On Friday 8/21 someone hacked into my account and sent themselves money. While i was at work i received an email stating that a transaction, that i did not authorize, had occurred. I immediately asked for a 15 minute break to call paypal. First, it was hard to find the contact number for them and i had to search multiple websites to find a phone number. Second, i had called and NOT ONE HUMAN answered the call. Third, when my call was being transferred it would ring once and then an automated message said, “paypal can not handle your issue over the phone. Use our messaging system to resolve your issues.” Then they hung up on me. I called 20 times (not joking but thinking it was just due to too many callers) and kept getting the same response. I then opened a ticket via messenger and told them exactly what happened. Within minutes i had a response that it was an authorized charge and they wouldn’t refund me. I opened ANOTHER ticket and got the SAME response. I ended up calling my bank and they couldn’t do anything, for the time being, because the transaction hadn’t posted on my bank account. So they advised me to open a new checking account (because my paypal was linked to only my checking and NOT a credit card). I did so in hopes that the charge wouldn’t process. But, low and behold, even after all that PayPal PROCESSED it. I was checking my bank religiously since FRIDAY and last night (at 10pm) i saw the charge on my account. Right then and there i contacted my bank. My bank was able to send me an unauthorized transaction form and i filled it out and sent it back. This morning i checked my bank and MY BANK (not paypal) refunded my money. Pay Pal now won’t let me remove my old banking information saying it still has pending transactions... WHICH IS FALSE. I hardly EVER us paypal but now im done with it for good. Poor customer service! So much stress over something they should’ve handled on the phone.

Please think twice about using PayPal. If you get hacked they side with the hacker.

Update:
Due to my bank refunding me my money a negative balance showed up on my paypal! And because of the negative balance i can’t close my account. I’ve spent HOURS trying to get this fixed through the message system (because they wont take calls). They bounce me from rep to rep and they all send me the same bs automated response. Then one rep said that i had to get my bank to pay it and that my bank could refund me! I told them that my bank is the one that refunded me already! Then a new rep messaged me their automated response. I told them to call me and they said they would contact me via phone within 24-48 hours. It NEVER happened. So i messaged back saying i never got the call. They responded saying they’ll put me back on the call list. Did they call me? NO! I’m so over this! I can’t close my account due to the negative balance. I contacted my bank and they even said that this was fishy of paypal and my bank is trying to handle this situation for me. I WILL NEVER USE PAYPAL AGAIN!

Update part 2: i finally received a call today, 9/8, from a paypal manager who was kind and willing to help. He listened to what happened and reopened my case. Within a few hours i was refunded my money and was able to close my account. The one star is ONLY for the helpful manager that took the time to call me back. I am greatly appreciative of how he handled the situation.

Unfortunately, after waiting this long to hear back from a person and getting this resolved has left a bad taste in my mouth. I closed my account and will never use PayPal again.

I am respectfully requesting that the hold on my funds/account be lifted immediately. I do not want this account to remain open nor do I want PayPal services any longer. I have previously requested a review/appeal of my case which was denied for some reason which I do not understand. Regardless, I feel that holding my funds for 180 days for some non-fraudulent violation of PayPal Acceptable Use Policy is excessive and an abuse of power,

I will be filing complaints with the appropriate agencies on February 1, 2024, if I am not satisfied with your response to this request to release my funds.

Please be aware that replying with the standard procedure is part of the terms of service that you agreed to/ will not satisfy my request, or deter me from filing my complaints with the appropriate agencies. I am simply seeking a resolution that is fair and in the best interest of both parties.

Over the past year, I have had four unresolved issues with receiving substandard and unusable products purchased through PayPal. I have never encountered issues before 2023! NONE of the four disputes were resolved in my favor and I am left with the unusable, totally not as advertised products and not a penny refunded. Not to mention the "resolution process" was dragged out beyond the noted time for resolution.

I never like automatic payments without permission. I might shop something one time or donate one time and in some fine print miss the tiny details where you'll automatically debit it. I went in manually and took those few sneaky creeps off. If I want it, I will clearly set it up. They frequently send changes to my user agreement through email. No changes please. I didn't say you could. Yes somethings do. I don't like being billed twice for tracphone. Regions didn't handle it either. I do hope things get better. I like somethings about paypal but pay close attention to details.

My pay pal account just expired. I was sent another card by pay pal to replace the card. When I tried to call on the phone to activate account I was put on hold 15 minutes and then hung up on by physical operators 2 times. The 3rd call got a lady on the phone. She said company had sent me the wrong card type of card and another one has to be sent out in 10 days. I need the money from the card for food. This company is a bunch of automated bs that does not work well. The entire pay pal system needs to be redesigned

My account a created for a charity got hacked and all the monies colleted stolen. Details:

Bank - CITIBANK N A x-7192

Transaction id - 6RM534577N137750G

I got zero protection from PayPal, a platform I picked because I thought it was secure. The money is gone and we had to stop the charity as thet account is now compromised. Don't use PayPal, their promise of protection is a joke

Purchased an item online from FaceBook Marketplace, total price $52.98. The item sent to me was not what was advertised. The item advertised was a large articulated eagle with flapping wings. What was sent was not even close (Google search showed same item for $16 at Walmart's website.)

It seems PayPal doesn't protect me from scammers. They still want me to do business with the same people who ripped me off by paying for return shipping to China that costs more than the actual item is worth. I was a victim of fraud and PayPal didn't really do much except make it a long and agonizing process whereby I still lose. So, the only way I can get reimbursed is to ship back the cheap product I did not request and hopefully, only lose half of the purchase price.

Dear Complaints Board,

I am writing to express my complaint regarding the unjust permanent ban placed on my PayPal account without any valid reason. Despite providing all the required documents, my account associated with the email address [protected]@gmail.com remains disabled.

I am deeply disappointed and concerned about this decision. I have always been diligent in complying with PayPal's policies and guidelines, and I have promptly submitted all the necessary documentation as requested. It is disheartening to be subjected to a permanent ban without any explanation or opportunity for resolution.

I kindly request PayPal to review my case and reconsider their decision. The permanent disabling of my account has caused significant inconvenience, impacting my ability to conduct financial transactions and engage in online activities. As a long-standing and responsible PayPal user, I am committed to resolving any concerns and providing further cooperation if needed.

I urge PayPal to thoroughly examine the evidence and documentation I have provided, and to rectify this situation by reinstating my account. I believe in the importance of fairness and transparency, and I trust that PayPal will take this into consideration when re-evaluating my case.

Thank you for your attention to this matter. I sincerely hope for a prompt resolution and the restoration of my PayPal account. Should additional information be required, I am readily available to provide it. Your understanding and assistance are greatly appreciated.

This is a true story about real people, and I want to warn all my colleagues in the hospitality industry to avoid using PayPal services if you've ever used them before. It's also about how the "democrats" messed up regular people.

My company is a private accommodation provider in Bali. We rarely accept payments on PayPal, but sometimes we have to because guests prefer to use their credit cards to pay for holidays.

Just last Friday, I issued a PayPal invoice to my customer from Crimea. She authorized her credit card to follow PayPal rules, and she paid by invoice about US$ 6,700. It was a 100% legal and authorized transaction from a 100% authorized PayPal account using their bloody pin codes that you need to find on your bank statement. It's not that easy to pay more than US$ 500 on PayPal, and you need to spend hours of your time and still pay their ridiculous payment commission of 4.4% plus 3.9% exchange commission.

She had no other option to pay for accommodation because nowadays banks in Crimea can't send any payments overseas that exceed US$ 1,000. Sanctions? Against whom, wealthy oligarchs? Western "democracies" $#*!ed nice regular people who want to go on holiday or make some purchases from overseas. I don't know if businesses can pay by their contracts, but my client's bank refused her payment to our 100% legal Indonesian company despite her providing an invoice from us.

Finally, after the client paid, I received a notification from PayPal about the transaction being under review, and it takes about 24 hours to review the transaction and "make a decision." Less than 24 hours later, I received another email from PayPal saying that PayPal is "alerting you to potentially problematic transactions" and "We've completed our review of the transaction below and found the payment may not be authorized by the PayPal account holder or may be the result of suspicious activity. As a result, we've canceled this transaction."

They canceled the payment without asking a question, without asking for proof of payment (we managed to get a Billing Authorization Form and the client's copy of passport and credit card), without taking care of what they do, and without asking us or the client whether this payment is true or not.

PayPal just canceled a US$ 6,700 payment without giving a $#*! about whether it might be an important or urgent payment. In fact, it is urgent because her holiday commences this Wednesday.

Guess what's next? It takes UP TO 30 DAYS to see a refund on the customer's credit card statement.

So, the client accumulated money for a holiday of six people in Bali, spent hours authorizing her credit card, paid the full amount using an authorized credit card, and now she has NO MONEY, and she can't be provided with accommodation.

Well, she booked three villas from us for three consecutive weeks. One villa belongs to our company, and we're happy to place her in our villa without payment while she waits until she can use her money again. But the other two villas belong to someone else, and we can't place her and her family with kids into another two villas without payment.

It's an absurd and ridiculous situation, and PayPal doesn't give a $#*! about what they do. They answered my concern with a very standard email saying they "protect" while nobody asked for their f. Ng protection.

Be careful!

P.S. There are many more stories about the terrible attitude of PayPal that can be found everywhere on the internet, and there is even a "PayPal Sucks" community on Facebook. With a lot of confirmed cases of how PayPal $#*! their clientele.

Take care!

I recently had a problem with PayPal when a company sent me the wrong item. They demanded that I return the item at my expense, but the shipping cost was way more than the item itself. PayPal refused to help me and claimed that they had to follow the seller's requirements. The seller knew that I wouldn't pay to return the item, so I lost almost $400. This is a common problem with Chinese and other overseas companies who exploit PayPal's policy. They ship out worthless items and demand that customers return them in order to get a refund. My husband fell for one of these scams and received a cheap swimming pool kick board and a child's toy monoscope instead of a foldable kayak and a full-sized sky telescope. PayPal doesn't care that these companies are scamming their customers and claim that it's not their problem because they're just a payment service. They tell you to go through your credit card or bank for any fraud complaints. It's clear that PayPal offers zero consumer protection and enables scammers.

In addition to this, package theft is a huge problem in the US, and PayPal offers no protection for buyers when a package is reported as delivered but is subsequently stolen. I had a $600 package go missing from my front gate, and the merchant refused to reship it. Fed Ex did an investigation and determined that the package was lost or stolen, but the vendor kept putting me off when I requested that it be reshipped. I filed a dispute with PayPal, but the merchant ignored me knowing that PayPal will ignore and then decline any dispute or claim when a merchant has proof of delivery. I escalated to a claim, which was denied, and now I'm stuck. If I had paid with a credit card, the matter would have been found in my favor, and the merchant would have been forced to replace my goods or face the negation of my payment. Dodgy merchants know that PayPal provides no consumer protection against package theft, so they play this delay game. I've requested a new shipment countless times, but now they just ignore me. I'll never see my shipment, and PayPal's customer service was outrageously rude when I complained about this catch 22 in the system. They don't care about loyalty or honesty and offer no protection for their customers.

I have been a loyal customer of Paypal for over a decade now. As a web designer, I have used Paypal on more than 100 websites and have recommended it to thousands of others. However, my experience with Paypal has taken a turn for the worse recently.

Without any warning or logical reason, Paypal decided to close my account. This decision was a shock to me, as I have never violated their terms or done anything wrong. In fact, I have always promoted the use of Paypal and have used it on numerous websites.

The reason for the abrupt blocking of my account was due to a mistake made by a worker. I was building a website that was not yet live, which contained over 1400 products. Out of these products, there was one single product that was completely legal in Switzerland - a small bottle of under 1% CBD oil. This product was mistakenly sent to the wrong website by a worker through their backend connector. The website was not supposed to have any oil products to begin with, and there were no menu items or ways to find this product. Furthermore, I had never set up Paypal on that website - it was done automatically when I signed up for Shopify, and my email address was configured as the default.

Despite spending many hours calling and explaining the situation to Paypal, their resolution center was of no help. It was frustrating to see that Paypal did not care about its customers and only cared about promotions. After being a loyal promoter of Paypal for over a decade, it was disappointing to see that they could not resolve such a simple issue.

I have concluded that Paypal is destroying itself and getting worse day by day. As a result, I have decided to remove Paypal from over 100 ecommerce websites and replace it with Paysafe and other alternatives. Paypal has lost my respect, and I will never use it again. I never expected such ridiculousness from Paypal, but I guess they have useless workers and no way to resolve simple issues. They simply do not care about their customers.

In conclusion, Paypal closed my account for a complete and clear mistake. I had one single product out of 1400+ that clearly did not belong on the website, was legal, and was never sold using Paypal. Despite my loyalty and years of promoting Paypal, they decided to keep my account closed. I am disappointed with Paypal and would advise others to use anything else but Paypal.

So, I had some issues with PayPal back in July. I sold a couple of watches, one to the US and one to Taiwan, and my money, which was over $2100, was blocked for 21 days without any explanation. I called PayPal and they said it was just a coincidence and that my payments wouldn't be held anymore. I was waiting for the watches to be delivered and was told that once the buyer left feedback, my money would be released on the second day. The watch was delivered to Taiwan, the buyer left feedback, and even called PayPal in Taiwan to confirm that they received the watch and were happy with it. But when I called PayPal to give feedback, Ryan (549368) was very rude and refused to release my money. My money was still blocked for no reason.

In the meantime, my wife and I used PayPal to send money to family for the purchase of two watches we bought in Thailand and the UK. We used this option because PayPal had blocked my money despite the items being delivered. The next day, I hired a lawyer, Joanne Michalec, to represent me and we called PayPal. After that conversation, my account was restricted and frozen, and a $11500 deposit was assigned for possible complaints about my items for 90 days. I didn't have any open affairs or issues, so I considered it a ploy by PayPal to keep my money and engage in dishonest practices. After my deposit was made, my account was frozen. My lawyer wrote a letter demanding the release of my money, but instead of releasing it, PayPal opened 11 cases against me, my wife, and me. They cancelled the card transaction and suspended all accounts. They returned the money they had kept, but seized it as a return transaction, which caused a negative balance. All of these transactions were legally carried out because PayPal had illegally blocked my own money.

After multiple phone calls (all recorded) and my lawyer's involvement, my account was closed indefinitely. My reputation was ruined, and I can no longer use PayPal or eBay, which is especially painful. I didn't do anything wrong, but I was penalized as if I had. PayPal engages in dishonest practices, and I will either reinstate my account or pursue arbitration. If necessary, I will sue PayPal for discrimination and dishonest practices, and I will cover all the costs of arbitration with pleasure. I was repeatedly cheated by their consultants, and I have recordings of those conversations.

I hope someone from PayPal will address my complaint and reinstate my account. I want to sell and buy as before. Neither PayPal nor eBay had any issues with me or my transactions, and there was no reason for them to close my account. My wife and the buyer immediately confirmed the veracity of all the transactions, and I have documentation to prove it. I recently had a heart attack, and this situation with PayPal is causing me undue stress during my recovery. If they refuse to settle my case, I will pursue arbitration or a court order. Joanne Michalec will represent me if possible, or I will hire a lawyer in my state. I will cover all costs. I don't expect much, just to have my rights restored and the absurd restrictions lifted.

I've been a fan of PayPal for a while now. I've even recommended it to my friends as a way to keep their credit card information safe. However, my recent experience with them has left me feeling disappointed.

Let me tell you what happened. I have a motorized bicycle, and I needed a new carburetor. I found one on a website called gasbike.net and contacted their support team. The guy I spoke to assured me that the carburetor would fit my motor and that it would be better than the one I had. So, I placed an order. However, after a week, I still hadn't received a shipping notification. I started to look elsewhere and found the same carburetor I had on my motor. I contacted gasbike.net again and asked when they planned on shipping. They told me it would be another five days, so I decided to cancel my order. I received an email confirming the cancellation, and I ordered the carburetor from another website, which shipped out the same day.

A few days later, I received an updated shipping notice from gasbike.net. I contacted them again, but it wasn't easy to get through to them. I tried calling, but I was on hold forever. The live chat wasn't working, and half of my emails bounced back because their mailbox was full. Eventually, I got through to them and explained that I had canceled my order and that I wasn't going to pay for the carburetor. They didn't reply.

So, I contacted PayPal and got connected to someone in India. They checked my order and found that it hadn't been shipped yet, but they had charged me for it. I asked them to prevent the shipment as it had been canceled. They opened a ticket and told me to wait ten days while they contacted the seller.

After ten days, I logged into PayPal and found that they had ruled in favor of the seller. However, they had listed the problem as "item not as described," which wasn't the issue. The item had been canceled before it was shipped, and the seller had confirmed that. I called PayPal again and got connected to someone in India. I asked for a supervisor, but I got cut off. I tried again and was connected to someone in Texas. I explained the issue, and they put me on hold. When they came back, I was connected to someone in India again.

I was frustrated by this point. I asked them to reopen the case, but not as "not as described." Instead, I wanted it listed as "shipped even after it was canceled." The seller expected me to ship the item back at my cost, but I wasn't going to do that. I said that if they sent me a prepaid return slip, I would be happy to send it back, but I wasn't going to pay for it when I never should have received it in the first place. PayPal asked me for proof, which I sent them in the form of screenshots of emails showing that the item had been canceled.

Despite all of this, PayPal ruled against me. I'm now stuck with a part I don't need or want. Since the company is so hard to communicate with, I'm better off keeping it or selling it on eBay.

The bottom line is that I used PayPal for the extra level of security, but this experience has shown me that it's beyond useless now. My bank would have reversed the charge, but since I used PayPal, they couldn't. The support team was also unhelpful, and I had trouble communicating with them. Overall, I'm disappointed with PayPal, and I won't be using them again.

PayPal is a popular online payment platform that has been around for many years. It is a convenient way to send and receive money, and it is widely used by people all over the world. However, there are some scammers out there who use PayPal to take advantage of unsuspecting buyers. I recently had a bad experience with a seller on eBay who used PayPal to scam me out of my money.

I was looking to buy a Funko Pop figure/toy online, and I came across a listing that looked like a great deal. The seller had posted pictures of the figure with an official San Diego Comic Con label, and they claimed that it was an exclusive item that was hard to find. I was excited to buy it, and I paid $38.99 for the figure.

However, when the figure arrived, I realized that I had been scammed. The label on the box was not the official San Diego Comic Con label, but a cheaper retail label that would be available in stores for $10-$20. The seller had used misleading photos and descriptions to trick me into buying a cheap item for a high price.

When I tried to contact the seller to ask for a refund, they became hostile and threatened me. They told me that I would never get my money back, and that they had already spent it. I was scared and frustrated, and I didn't know what to do.

I contacted PayPal to try to resolve the issue, but I had a hard time getting through to them. The first representative I spoke to didn't seem to understand the problem, and they opened a case that was not relevant to my situation. I had to speak to several different representatives before I finally found someone who could help me.

Even then, the process was slow and frustrating. The seller had until the day of the convention to send the false item, and I had to wait for weeks to see if they would actually send it. In the end, the case was closed because it was a pre-order, and I was left out of pocket with no way to get my money back.

This experience has left me feeling disillusioned with PayPal. While I understand that they are a large company with many customers, I feel like they could do more to protect their users from scammers. It shouldn't be so difficult to get a refund when you have been clearly scammed, and it shouldn't take so long to resolve a case.

Overall, I would not recommend using PayPal for online purchases. While it may be convenient, it is not worth the risk of being scammed. There are other payment platforms out there that offer better protection for buyers, and I will be using them in the future.

Paypal is a company that has a lot of problems. They don't seem to care about the issues that their customers are having with other people. They will hold onto your money for as long as they can, and they have a lot of money sitting around in accounts that they are investing in loans, credit cards, and the stock market. This means that you might be out of luck if you are waiting for your money to be released.

If you decide to do a credit card chargeback on them, they will charge your bank account. This can be a big problem if you follow their advice to go elsewhere for help. There is no recourse with the bank, and if Paypal decides to put your account negative because of a credit card chargeback, it doesn't matter if it stems from a dispute you have with someone else. Your account will be negative, and they will take the money from your bank account.

Even if you remove your bank account before the dispute, they can still take the money in some cases. This can be a big problem, and it can even affect your credit score and history. The dispute process is also a big problem. Paypal doesn't seem to care about you, and they want to hold onto your money for as long as possible. This means that it can be very difficult to get any resolution in your favor.

Despite all of these problems, many people still use Paypal because it is tied to some purchase/sell options on the internet, like eBay. However, there are many other services that are much better than Paypal. Paypal is a scam, and it is not a good company to do business with.

One recent example of this is when I bought an item through Paypal that turned out to be a counterfeit from China. I opened a case through Paypal, but they didn't ask me to return the item. Instead, they told me to destroy it and get a police report. I paid $72 for the item, and they asked me to return it to the sender in China, which would cost $36 for shipping with minimal tracking.

When they finally did ask me to return it, they gave me a small window of time to do so, and I missed it by a day. They closed the case in the seller's favor, even though I asked if I could still return it. They stalled for five days before finally saying yes, I could still return it. They took five days to open the case, and then a few days later, they closed it for no reason.

When I asked them why they closed the case, they said it was because I missed the deadline to ship it. I explained to them what had happened, but they still didn't seem to care. Paypal has had my money locked up for over a month now, and they have already taken their fees. This is a horrible company, and I would not recommend doing business with them.

Hey guys, I wanted to share my experience with PayPal. I started my own business back in June 2018 and everything was going great until May of this year. That's when PayPal limited my account and asked me to send in receipts worth £20,000. I did everything they asked, but then they put a 20% reserve on my account. After 30 days, I received an email saying that they were closing my account. I tried to contact them multiple times, but they wouldn't give me a clear reason for why they were doing this.

I explained to them that I was connected to another account because the lady who owned that account was also my accountant and bookkeeper. We also share an office with over 45 businesses, many of which are eBay sellers. I'm a single mother who has been running my company with no problems, and all my accounts are up to date. But they still refused to reinstate my account or release my money.

The email they sent me said that they were closing my account to protect themselves from potential financial losses. They said that I could appeal their decision, but I haven't had any luck with that so far. They also said that they would hold any money currently in my account for up to 180 days, and that they would review my account up to 5 times during that period.

I understand that PayPal needs to protect themselves, but I feel like they're being unfair to me. I've done everything they've asked, and I've been honest with them about my situation. I just want my account to be reinstated and my money to be released. If anyone has any advice or can help me out, I would really appreciate it. Thanks for listening.

PayPal is a website that allows you to pay for things online. I recently had a bad experience with a company called Rosegal. I ordered some items from them, but then found out that they were going to be shipped from China. I cancelled my order, but they still sent me one item. When I saw that PayPal had charged me the full amount instead of just the price of the sweater, I contacted Rosegal and PayPal. Rosegal said they would refund my money, but I never got it. I filed a claim with PayPal, but they kept stalling and giving me the runaround. They even told me to file a police report, which was ridiculous. I contacted PayPal multiple times, but they never responded. I even sent them a list of companies that were involved in the scam, but they didn't seem to care. It's frustrating that PayPal isn't taking this seriously.

The company that owns Rosegal is called Yigou International Group. They also own other online clothing sites like Zaful. They operate from multiple addresses around the world, including one in China. I found out that there are hundreds of complaints about these companies on Facebook, and people have complained to PayPal and Facebook for letting them advertise.

It's important to be careful when shopping online and to do your research before buying anything. There are a lot of scams out there, and it's easy to get ripped off. PayPal is supposed to protect buyers, but in my experience, they didn't do a very good job. I hope that they will take this seriously and do something to stop these companies from scamming people.

Me and my hubby, we run a vacation rental home biz. In Nov, we got a payment from our customer of over $18,000.00 which was the total rent owed us for the rental of our vacation home for the month of Dec, 2021. Then we got a message from PayPal saying that our merchant account had been flagged and limits imposed due to the increased amount of payment compared to previous months. Access to payments was being "held" by PayPal until we supplied them with more information about our biz and the nature of our sales.

We then submitted all 4 forms of documentation requested and received another notice from PayPal in Nov saying that they had reviewed the information we submitted, our account was restored and any limits placed on it had been lifted. When I signed into our account, however, I saw that all but $2000. 00 of our funds were still on hold. We were informed by PayPal that only $2000. 00 of the $18,000.00 we were due would be available to us for 21 days. We then went online and requested an increase of the money from sales immediately available to us each month and PayPal increased that amount from $2000. 00 to $4,129.91.

The next month the same thing happened again! In Dec our vacation rental tenant payed us more than $6000. 00 and all but $4,129.91 were held by PayPal. We again requested an increase of the money from sales immediately available to us and PayPal increased that amount from $4,129.91 to $7,139.50. Later in Dec, we received another rental payment of more than $8000. 00 and all but $7,139.50 were held from us. The template notice from PayPal said, "We've placed money on hold because we need to know more about you and your business, such as sales details and customer service history." This was patently untrue, as we had already supplied all information requested by PayPal regarding our biz the first time we were asked in Nov.

Each time our funds were withheld from us, we called PayPal customer support and complained and were given the same tired suggestions about telling our vacation rental tenants to sign into PayPal and confirm that they had sent their payments and that their transactions were complete (this would be a completely unprofessional thing for us to do and not a reasonable ask of our tenants). Also, we were advised that the duration of the hold could be decreased from 21 days to 7 days if we went into our PayPal account and marked our product as "shipped" (this makes no sense whatsoever considering that our "product" is intangible and cannot be shipped!)

Now In Jan we are dealing with partial lack of access to our funds for the 3rd month in a row! Late in Jan, a vacation rental tenant made a payment to us of more than $9000. 00 and all but $7,139.50 were again held for no good reason. My subsequent request of PayPal for another increase in the amount of money immediately available to us was denied (even though it was more than 30 days since our last increase).

We provided all requested information and documentation regarding our biz to PayPal three months ago and were told by PayPal that our account had been restored and that our merchant account was in good standing. Also, we have consistently received payments of more than $6,500.00 each month for 3 months in a row. We have been receiving rental payments through this same PayPal merchant account for 2 years already, several other payments were $6000. 00 to $8000. 00 rental payments and those were never held from us prior to Nov.

Our vacation rental home occupancy and income fluctuates with time of year and length of stay so differing monthly payment amounts are to be expected. Sometimes we rent through VRBO rather than our personal website, so PayPal is not our payment processor every month. Our Christmas booking is a higher rental payment because Dec is a holiday period at peak rate and the customer in Nov rented our vacation home for a 29-day period. There is nothing suspicious or fraudulent about any of the last 4 transactions made over the last 3 months (or any transaction that we have processed since opening our merchant account in 2019.)

I recently became aware of a class action lawsuit proposed earlier this month by two California residents and a Chicago businessman claiming that PayPal's hold on money amounts to an unlawful seizure. We are also aware that PayPal transfers merchant's funds to outside bank accounts in PayPal's name and collects interest on our funds by doing so. PayPal's new practice of delaying dispersal of funds for insufficient cause is obviously just a ruse to maximize this revenue stream. I look forward to the resolution of this matter through legal means or otherwise!