What a timeline we live in, where people choose to post their complaints about random bs on GitHub or Twitter...
Is this Paypal experience customary?
201–210 of 295 posts
Re: Is this Paypal experience customary?
#202I very rarely have to contact PayPal for anything, but I’ve had to talk to them a couple times. My experience is that they absolutely will not answer any question they don’t have a pre-written response for, instead choosing whatever they think is closest to what I am asking, even if it doesn’t answer the question. I’ve even had them send me the same response again when I explain that it didn’t answer my question the…
> they absolutely will not answer any question they don’t have a pre-written response for, instead choosing whatever they think is closest to what I am asking, even if it doesn’t answer the question
I got the exact same feeling when talking to them. It sounded like they understood my problem, but the proposed resolutions were obviously not a match. Reasoning about it with them got me nowhere, they clearly had no other options.
Re: Is this Paypal experience customary?
#203Is it too much to ask for regulations for payment transactions to step in, at least in EU? I know we're not too regulation-friendly here, and I haven't made up my mind yet, but I tend to think it's only consequential that digital payment transactions are considered a field where governments should exercise authority, on similar grounds that give (or doesn't give) government authority over establishing a currency in t…
The EU has a lot of law about digital payments. In September this year, a new provision will come into force in the entire EEA that requires digital payments to be made with two-factor authentication, for example. I don't know whether or how that affects PayPal though.
Ugh, I'm really going to need virtual phone numbers for all these "second factors" (i.e. linkable identifiers), I'm just not sure where to get them. Twilio requires a credit card, and most other businesses that offer this look super shady.
Re: Is this Paypal experience customary?
#204Earlier quoted context omitted.
This is totally and completely incorrect for the US, reversing ACH transactions that are made in error is totally a standard and perfectly legal. Requiring a court order to correct simple bank errors is entirely infeasible and, frankly, pretty silly. https://digital.wf.com/treasuryinsights/portfolio-items/tm31... >A payor can attempt to reverse a payment made with an ACH credit only if the payor claims the beneficiar…
No clue how that works in different countries. Here it's pretty simple: once the money is in the account, you can't do anything. While the transaction isn't complete, you can cancel them obviously. There's a good reason for that: nobody want's banks to take money out of accounts because they "feel that's the right thing to do". There's one notable exception: SEPA direct debits getting reversed. Using DD requires a sp…
So if you decide not to reverse the mistake transaction you just get free money?
Unless it's a real lot of money going through the courts to get reimbursed would be impractical and if you transposed two numbers while typing an account number then you might not even know who the money went to.
Re: Is this Paypal experience customary?
#205Earlier quoted context omitted.
I'm starting to notice a trend in PayPal fraud cases: a user has an issue with fraud. User contacts PP. PP's fraud department won't discuss the matter. PP does something oafish to lose a customer. The critical point seems to be that fraud won't talk to customers. It makes sense that PP moves quickly when fraud is suspected. What doesn't make sense is that they're so secretive about the events that take place on a use…
OP here. The fact that I am actively engaging in conversation with them, to resolve this, should bump me up a notch on their trust level (of course I could be playing an "iocane trick" [ https://www.youtube.com/watch?v=U_eZmEiyTo0 ] but there is no way to honestly prove this). Also the fact that they reply to my initial question about the refund, with an absolutist "After investigating, YOU have logged in and YOU hav…
I had an ebay transaction where I sold a piece of equipment, and the buyer was shopping around and didn't want to keep my product despite listing it as "no refunds." The buyer claimed the product was defective and they allowed him to ship it back at my expense. I told ebay that I tried to help the buyer resolve any issues and they didn't even bother dealing with it and just closer the dispute. I called them and they claimed I agreed with and initiated the refund. I didn't. I called PayPal and they bluntly said that this is an ebay issue and that they're not involved. This is despite the fact that they froze the funds in my account. They straight up said they aren't involved. Both eBay and PayPal are complete shit and shouldn't be trusted. The fact that they cornered the market allows them to do this kind of crooked shit. It's absolutely ridiculous and I'm not paying the balance. They can close my accounts at this point. I don't give a shit.
Re: Is this Paypal experience customary?
#206PayPal manipulating, removing, or holding hostage the balance of your account? Yes that’s normal for PayPal. Getting a the runaround about how and why it happened? Yep, that’s expected too. Actually getting a non-form letter response of any type? That’s just lucky. We couldn’t get an account rep on the phone for almost 4 days when ~35k was suddenly deducted from the account. Nor when they accidentally cancelled all o…
P.s. never ever link any account with shared funds to PayPal. Business or otherwise, open a completely separate account for PayPal if you must use it. Imagine having PayPal place a hold on the funds in your account to make sure refunds/fraud can be handled. Then when a customer does request a refund you’re literally unable to process the refund because it won’t take it from the funds you just received that are held.…
Money Transmitters are a heavily regulated industry. I bet this way of operating is just standard procedure to save their own neck from heavy regulatory fines.
What would be an alternative solution in your opinion?
Re: Is this Paypal experience customary?
#207Earlier quoted context omitted.
P.s. never ever link any account with shared funds to PayPal. Business or otherwise, open a completely separate account for PayPal if you must use it. Imagine having PayPal place a hold on the funds in your account to make sure refunds/fraud can be handled. Then when a customer does request a refund you’re literally unable to process the refund because it won’t take it from the funds you just received that are held.…
Money Transmitters are a heavily regulated industry. I bet this way of operating is just standard procedure to save their own neck from heavy regulatory fines. What would be an alternative solution in your opinion?
Wouldn't it make sense for PayPal to take any returns/refunds out of their "held" amount?
Re: Is this Paypal experience customary?
#208Very weird case. The person got angry even though it was not his money to begin with. Absolutely no harm was caused to him. The person demanded explanation why an erroneous amount of money visited his account. Yet it's none of his business. There was a moment in this incident where any reasonable person would have just moved on.
It is his business, it's his account. What if he'd had an auto-transfer setup to clear his account and it sucked up the money before the magical refund? Then he'd have PayPal up his ass about "hiding funds". Would you let some 3rd party use your PO box or parcel locker as long as "it was none of your business"?
> It is his business, it's his account.
It's not his account. It's a service paypal offers. They own the service, the bits, everything. He owns the money. Paypal added some money that was not his, and then they took it away. Nothing of his was touched.
Re: Is this Paypal experience customary?
#209Whoa, I just got off of a call from PayPal as to why my account was banned. Turns out, 15 years ago when I signed up, I was 15 (I am 30 now) and that is against their terms of service. So my account is permabanned and they said to make a new one with a different email. I can understand they don't want people under 18 to sign up, but for fucks sakes, it was 15 years ago, this feels like a fairly stupid policy. I would…
Probably because they can't legally hold the data of a minor (who wasn't able to consent to their data policy or whatever at the time) so they have to delete everything.
Re: Is this Paypal experience customary?
#210Earlier quoted context omitted.
PayPal, and the rest of the industry.
I hope Libra (the new currency from FB) will set a higher bar. I can confirm that PayPal is horrible to legitimate merchants. One would expect better fraud protection given the high fees they charge. I never expected they would simply “freeze” our funds without explanation.
The only group I'd trust less than PayPal is FB.
No thanks.