PayPal Credit Card Processing Reviews & Complaints

I am unable to access my Paypal account with a balance of $750. I’ve had this account for over a decade with the same two phone numbers and same two email addresses on file during that entire period. My bank has had the same phone numbers and email addresses also during the past decade and my checking account from that bank is linked to my Paypal account.

Starting earlier this year, I began getting two-step verifications requiring me to respond to an email link or text. I also completed two-step verifications by answering my security questions. I travel often between California and Mexico and accepted there might be some legitimate security triggering. However, next, the option to do two-step verification by email, phone or security questions disappeared and in recent months I now only get a 2nd step prompt requiring that I “Add a mobile number.”

I do not have another phone number to add. Entering either of my two phone numbers – both of which I’ve had for over a decade, both of which Paypal and my bank have verified many times during that period, both of which are linked to my credit card – results in an automated Paypal message, “This number appears not to belong to you.” And, that’s it! I’m locked out “for security reasons.”

Contacting Paypal support on several occasions went nowhere, so I finally filed a complaint with CFPB, the only US federal government agency even theoretically able to hold Paypal to ethical business practices. CFPB forwarded my complaint in which I requested any reasonable method to further prove my identity and-or simply be allowed to access my Paypal account. Paypal replied saying their terms of service allow them to restrict account access for security reasons, ignoring all of the points in my complaint that no legit security-identity issues could reasonably exist nor did they show any interest in my offer to “further prove my identity if needed.”

Despite offering no remedy, CFPB closed my complaint simply because someone at Paypal had bothered to reply. Check out the link below about Paypal suing CFPB to oppose CFPB’s attempt to enforce compliance with honest business practices vis a vis Paypal’s new “digital wallet” offerings and it gives a clue as to why CFPB is fighting an uphill battle. Paypal is arguing that CFPB is attempting to “limit their corporate personhood freedom of speech rights.” However, as the thousand plus complaints here document – others here, – Paypal already has a reputation for unwarranted or fraudulent account seizures and “customer service” practices during the past 5+ years –

https://www.consumerfinancemonitor.com/2020/07/16/cfpb-moves-for-summary-judgment-in-paypal-lawsuit-and-opposes-paypals-summary-judgment-motion/

I think we need to hope for a MAJOR CLEANUP of the US federal court system and the federal regulatory landscape to rebalance things in favor of honest business practices. Things have gone so far in latter-day Rome directions that absurd “corporate personhood” “money is free speech” concepts have been institutionalized, with corporate “limited liability” effectively now translating into “zero liability” and a “license to steal.”

We keep hearing of promises to “Drain the swamp.” Let’s pray it happens. Meanwhile, guess I need to find a way to make $750 to make up for the $750 Paypal just effectively confiscated…y’know, to protect my account security.

Paypal screwed me out of 29 bucks of my social security check Screw paypal

Hi, I have been trying to close my PayPal account for over a year. They say they need to verify my address and have asked for the following documents:

As a regulated financial institution we’re required to collect and verify certain information about you. At the moment you need to verify your address, by providing us with a proof of address.

What is a valid proof of address?

We accept one of the following:
– Notice of assessment, municipal property tax assessment
– Canada Revenue Agency statement (e.g. requirement to pay, installment notice or benefits statement)
– Financial Statement or Student Record from registered Canadian College or University (post-secondary institution)
– A statement issued by a recognized government agency
– Your most recent document received
 
We do not accept:
– Partial Documents.
– Bank / Credit card/ loan statement.
Please note: The document must show your full name and address as registered on the PayPal account.

I am in Canada and have contacted almost every government agency that I can think of and none of them require PayPal to collect this information. Also they are not a regulated financial institution in Canada

I am at the end of my rope and my institute legal action against them.

In or about 2008 I opened a business account for my company to sell dresses online as I was working in the fashion trade. Around 2017 I retired and closed my company and decided to use the account for my hobby of coin collecting selling coins through eBay. I was not aware that I had to change my settings from business to private I carried on using the same account for over 3 years after I ceased trading with no problem until I got a massage that I was a dangers customer and my account was limited with my entire fund frozen from february this year.
Money in my PayPal account has been held for 180 days to protect against the risk of disputes, claims, chargebacks, reversals or other liabilities. I am still waiting for your email to information me how to withdraw my money. it’s now close to 200 days now.

I would like to talk to a human not just standard automated replies

When i go to resolution center i get this massage

You can’t use PayPal anymore
At PayPal, we value a safer community for our customers to do business. We noticed activity in your account that’s inconsistent with our User Agreement, and therefore we can no longer offer you PayPal services.

Reference ID: PP-009-167-544-359

It is certainly a challenging time for all of us with the corvid 19 and frankly large conglomerate companies freezing and holding on to moneys of thousands people trying their best to survive is despicable.
Shame on you PayPal you are a disgrace

CLOSING MY PAYPAL ACCOUNT. I received a text from PayPal alerting me that my “$1,472.99 transaction is being processed.” I have not made any PayPal purchases in at least 60 days, and I have NEVER processed anything through PayPal that was more than $100. I immediately logged into my PayPal account and disputed the item. About 2 hours later I received an email from the PayPal dispute resolution team letting me know that my dispute was denied because “based on account history” the transaction was not unauthorized. I escalated my dispute to a claim. A day later I received the same email message. Apparently they believe I authorized this transaction without knowing it. The funds went to someone I’ve never heard of – I emailed both email addresses that appear on the PayPal transaction, no response. This transaction is marked for “services” rather than an item, so there is nothing that will be shipped/received. At this point I have disputed the charge with my credit card company, and I am closing my PayPal account. I have no idea how they determine that the charge was authorized, when I am telling them – in no uncertain terms – that I DID NOT authorize the charge. I’m wondering how often this happens, and for those that link PayPal directly to a bank account (rather than a credit card) how they hope to get their money back.

I have tried to get negative errors resolved by myself and with another agency but it was a wasted effort and it’s nothing compared to the excellent results i experienced with anonymous credit repairer art (g)m a i(l) • corm. When I first started with him, my credit was in poor shape with a few collection accounts that i was not aware of. I was looking for a home mortgage loan and was sure i would never get approved based on my scores, but with the help of anonymous credit repairer, all of the negative items were removed and i was able to get my loan.

I sold an item on E-bay and the funds were sent to an old Paypal account. I however used the new paypal account for this transaction with all my current banking info. When I purchase from e-bay it comes out of this account without a problem! Now when I want to receive my funds Paypal is giving me a very hard time asking me to verify the last 4 digits on the card # from over ten years ago! Now I don’t know if I’ll ever see my money!

I don’t know WHO reviews your Paypal financial process. It seem like accountant department has A LOT of improvements needed. Ie.. When a customer refuse a transaction from a FRAUD merchant, and buyer states it’s a FRAUD. The Paypal accountant department should HULT all transaction and investigate then respond to buy and not to say WAIT 15 days, ( I’ve waited but PP continue without any remorse for customer support merchant.) 20 days pass do date and over couple month to received, even when buy wanted to cancel the order. That’s why I say CEO/ FEO must have gone to same schooling as Wells Fargo. Treat customer like your toy.

i agree paypal is a complete joke, nothing but idiots working there.

Been a thrift store goer, picker turned eBay seller for 18 years. Up to this point had also been with PayPal for 18 years alongside eBay. I have never had account issues, problems with refunds, customers etc. eBay record 100% feedback for years, very little to almost no complications. In June of this year I began purchasing unpaid storage auctions. Things were picking up, my inventory and eBay sales were booming. The third auction had gun smith items. I checked my state and local laws and although ebay did not allow the sale of ammo, gunbroker.com does. After two sales, maybe $100 combined I get an email from PayPal stating I violated TOS and that there is no recourse. I had no idea I could not accept payment for ammo. I have never sold a firearm in my life to this day. It is my fault for not reading the always changing TOS but it is their fault for not taking my long standing account into account for something when I rely partly on eBay and was planning to rely more heavily on it in the future until the suspension. You don’t want me anymore fine. I had another account that was for beef jerky sales. Did I ever use it for eBay before being suspended? No, never once. Did I after I got suspended. Of course, trying to survive. They closed it. But they took the email associated with it and merged it with my “main” account if you will but they did not merge the balances! I will be calling them. I had $262 in one account and $390 in the other. The one with $390 I can no longer long into it, its email logs into the one with $262 and the $390 is gone!!

Do Not Use This Company!!!
Worthless company who auto filled my shipping address from 5yrs ago even though I changed it twice and can’t resolve the problem so I lost $48.00 in product being sent to the wrong address

PayPal are pieces of s*** liars. I stayed in a hotel and used my. PayPal cash card for the deposit. That was on the 11th. Today is the 19th and they still haven’t given me back my $100. They tell me it’s the hotel. I know better because i stay there every week using a different card and i get my money back in 2 to 3 days. And now every time i call them, after being on hold for half hour someone in some far off country hangs up on me because they can only tell me a lie. I’m in northern Indiana where last night the temperature was barely above zero and i had to sleep in my car because i didn’t have that $100 back on my account for the next deposit. Do you think paypal gives a fuck if I freeze to death? They should be shut down and prosecuted for stealing money. I would be if i did it. Whoever just gives them the power to do as they please with our money. They are f****** crooks.
Yy

I don’t understand how my case was denied after having enough proof of never receiving the package along with the tracking number being nonexistent according to the post office who never delivered it. Another issue is leaving my call back number to avoid a 40 minute wait for customer service, a week passes by and still waiting. So basically believe the merchants who lied and scammed the customer, but not believe the customer to paid with real money? Simply because they said they sent it out, you say you’ve done your part? I have surveillance to prove they never came.

I’ve used Paypal for years. I recently bought an item which I paid for with PayPal. The product was supposed to be a sweater and was a thin t-shirt with the picture of a sweater printed on it. The product was shipped to me from California. To receive a refund the Seller is requiring me to ship the product to China by certified mail. Even though I never dealt with China PayPal is enabling the fraudulent company by allowing it to require an expensive and cumbersome return. I have a California address from which it was shipped to me. I’m disgusted with PayPal after 2 months of dealing with customer service. It’s time consuming and uselesd

Money held for too long,..Not able to transfer money in..long waits on hold on the phone,..Problems problems problems! Terrible

SCREW paypal. These friggin morons closed my account and wont tell me why. No explanation. Whatsoever. Apparently i somehow violated their policy and they wont tell me why. Ive tried calling and now the only option i have is to write a physical letter to the headquarters?! Screw them ive been loyal to PayPal for years then I get treated like this. They can go to hell. Hope they burn.

ordered a office chair from 49 sale the company is fake,
a scam the chair cost 47.00 it never was delivered, yet
I reported it to pay pal and they checked into the matter
and denied my claim because ups showed that it was
delivered the package weighted 1.90 pounds, and I didn’t even get that, what kind of office chair would
weigh only 1.90 pounds the box would weigh more that. I looked on line and others have had the same problem with that company 49 sale and they were also denied Its a shame that pay pal does not
investigate who they let have a pay pal account to
rip people off.

I paid for 3 airline tickets from United and 1hotel room all using PayPal. I cancelled all within 24 hours and got refunded. Great right? No. PayPal never refunded the $3000.00 on my balance. In my account it says refunded but my balance says otherwise. I called several times being told the balance is correct. So I called about the finance fees still there for those refunded purchases. After a long time was told uh oh..our bad. So they said my balance was right but will not charge these interest fees. (Pay 6 months, no fee deal)
Then I added up my financed purchases and it equaled the amount of what I bought and of what I was refunded which obviously I wasn’t refunded. I called again and added it with person on phone. Lo and behold now I am right and again ‘our bad’.
But I never got an acknowledgement letter so not sure if this was really it for me. She had said I was paying off what I was supposed to be refunded.
Guess a lawyer is in my future

I made a purchase of shoes using paypal. The shoes did not fit. The return policy at purchase stated within 30 days of receipt, original package and receipt. I followed policy and company said…we have low profit so please sell to a friend…LOL. I contacted paypal. I again jumped through all paypal’s hoops. Paypal denied my claim stating “We have reviewed this transaction(s) and are denying your case(s). This decision was made because if an item is materially similar to the seller’s description, we do not consider it to be significantly not as described.” So basically not what I wanted, not anything I can use but too bad for me. This is why there are so many scams for online purchases. I will not be using paypal again.

I got scammed out of $70, and I reached out to PayPal to dispute the charge. Without even investigating, they flatly refused to reverse the charge. I paid with PayPal credit thinking this would be safe because no matter what I did, the system would not let me add my credit card. If it had been the latter, the charge would have been reversed. Paypal never keeps my card or bank account info, and now it even supports scammers. Ridiculous.

SYNCHRONY has don me wrong several time, I had an account with Rooms to Go and a health payment card. When SYNCHRONY took over these account they closed my accounts which I paid on time and paid in full. Now SYNCHRONY has taken over PayPal credit.

I placed an order from a wed site on Facebook (I know I shouldn’t have done it) back on Aug 26th 2019. According to them the product takes 7-20 days for delivery. Well 21 days go back, I get PayPal involved. I tell them what is going on, they set up a dialogue with the seller. They say, it now on it’s way (32 days after the purchase). I wait for a tracking #, check up on it, it’s in China for 2 weeks, than calls off the grid. I tell this to PayPal, they continue to cater to the seller, I than file a resolution complaint. That was first week in Oct 2019. They put the date to resolve within 1 week. That was 3 weeks ago and still waiting for the product or PayPal to hold up their agreement with me about my refund. As of today, they said it will be settled Nov 5th, that is the 6 time the resolution date has been pushed back. PayPal has not honored its agreement with me, so I will now turn this over to law enforcement. Was only 40.00, but the principal is that buyer who are not bring them big business are on their own. I will never do business with them again, they are only out to make a profit.

Paypal has absolutely insane policies! Somebody that sent me a payment, disputed it a month later because it wasn’t authorized? They had problems with their credit card they said & then they said corporate had issues & dinged me! I have never even paid a dime for CC fees! 2 minutes after I got the email saying my account had a negative balance, I provided funds immediately from checking …. now 4 days later my account is still locked :( I cannot do even CC transactions! PP says they cannot do anything!!! PayPal incites violence with the way they handle transaction problems!!!!! The Absolute worst customer service of any company!!!!!!

I believe Paypal has purposely built a scheme to increase the number of new accounts and daily earnings/withholdings. This is done by taking a Paypal customers account like mine and holding the money citing “security review.” After completing all “security tasks,” then saying “internal security review,” for 72 hrs. Then funds still not released, they say internal review 48 hrs, and then 24 hrs, and then 48hrs and so forth. 17 days go by, money is still in there. I open another Paypal account and transfer money just fine. So what happened, I increased Paypals daily withholdings, and I opened a new account. 1 customer like me. Multiply that practice across the US. Now you know how the stock valuation is increasing.

My experience was negative with pay-pal they are slow and they are not effective about resolving customer issues. I have been calling several times to get my money for the item seller did not sent me.they are not giving my money back like they promised. This was a e-bay purchase non of them responding and not interested to solve it, and the keep you on phone for ever.

Back in August, I used my PayPal business account to send money to a friend. Because it was a personal transaction, I very carefully specified that the money come from my Wells Fargo card instead of the balance of my PayPal account. But PayPal wiped out my balance anyway, only taking the remainder from my personal card instead of the full amount. I spent hours in chat and on the phone complaining and trying to get a resolution. They couldn’t put the money back but assured me it was a technical glitch that had been fixed. They said it would not happen again. Yesterday, I sent more money to the same friend. Same result. My PayPal account is what I use to pay business expenses. To have it used for a personal transaction not only screws up my records, it takes away the money I need for my business. They want me to jump through all the same hoops they put me through last time. Not happening. Fool me once…etc.

1 star: Bad
9 minutes ago
PayPal and Xoom were a terrible experience!
PayPal and Xoom were a terrible experience today when we tried to transfer money to a family member in Europe. Their representative spoke very poor English, very difficult to understand, and there was a lot of background noise, which didn’t help at all. They wanted a lot of personal financial information which we were very suspect of because we didn’t understand why they needed it or what they would do with it. In the end we canceled the attempted transaction and closed our accounts with both companies. We then read Consumer Reports article on transferring money and found the the recommendation for TransferWise. We contacted them and had a very successful money transfer and a very pleasurable and satisfying experience. We would like to alert people who want to transfer money abroad to definitely NOT use PayPal and Xoom, but to look into using TransferWise or a similar company!

I used PayPal for an Insurance Claim payout bacause I was told it was quicker and safer than a check. Complete nonsense. PayPal is holding my money for 48 hours because “the amount is unusual for my account”. Well of course it is. It doesn’t matter that it comes from an Insurance company not an individual. They are keeping my money. Period. And it took 3 phone calls and about 20 minutes to get to a person, who could not help. Awful Do not use this.

I used to have a licensed legal stamp dealing business, operating out of Las Vegas, Nv.
PayPal wiped out my company in 2016, by claiming I opened up about 49 charge-backs against my vice president. PayPal made it all up.
I filed a 4,017 separate count lawsuit against PayPal in 6-2017 Case#17cv311767.
I lost the lawsuit in the Superior Court of California in San Jose.
I then defeated PayPal and their attorneys Holland & Knight LLP in the 6th Appellate Court in San Jose on 2-13-2019. Case# H045352
I am still fighting the lawsuit.
I have enclosed the you-tube link which explains this tragic story.
Please watch it.
I have withstood massive police investigations by numerous police agency’s over this lawsuit, as PayPal keeps trying to keep this case swept under the rug and hidden from the public.
PayPal is corrupt and crooked. Do not use them.
Greg Murrow

I lost my money with Paypal, Paypal gave my money back to the buyer, now I’m out my item and my money, and I payed Paypal Fees, I was robbed by Paypal.

This post will help: Best PayPal Alternatives

-Phillip

Payments to suppliers totally unknown to me have been included in my account. I have been unable to get into PayPals complaints system and have been forced to close my account.

This post will help: Best PayPal Alternatives

-Phillip