PayPal

#306−2016:
PayPal is one of the reasons why I hardly make purchases through eBay.
Though it may appear to be a safer method of payment than cash/​cheque, I don’t find myself granting it more than 2 stars.
Verified PayPal account procedures are not user friendly and several issues arise with double charges (and subsequently a whole headache to get refunds).
I may end up spending more, but I try to avoid PayPal as method of payment as much as possible.

I don’t recommend to sell on eBay. They block your money from sale for 21 days to have free credit and say that is made for safety. Yes, sure, and I’m an elephant. And you have to ask them for YOUR money like you are a thief. Moreover, their commission is really high. And also PayPal take their commission from every transaction. Horrible!!! Moreover, they block your money, but you have to pay for shipping AND they want you to pay their commission BEFORE you get funds from sale.

PayPal is not safe!
Recently my Husband received an email that his PayPal account had been hacked. Someone apparently was doing unauthorized money transfers for thousands of dollars. Of course since PayPal is linked to his bank account, we were in the negative
-$ 5000.00. So my husband called PayPal and they were nothing but unprofessional and extremely rude and didn’t want to do anything about it. They even have the nerve to charge us for the fraudulent money transfers. So to make a long story short as advised by my bank I had to close that account and reopen a new one to prevent any more fraudulent charges. My bank as well as myself are reporting them to the Better Business Bureau because in my bankers words it’s time for PayPal to be audited. We will never use PayPal again. BEWARE OF PAYPAL!

I have used Pay Pal for years. Through the years I was in the Military, I had 5 different «permanent» residences listed (also other addresses to send my family members gifts etc). Here is the problem. Permanent home addresses cannot be changed in Pay Pal. When you go to a new business on line and buy something the Pay Pal computer «automatically» chooses a home address listed. I bought an item for 250.00 from a company and did not realize that Pay Pal chose an old address for me. The item was delivered to the old address and not returned to the company by the current resident. It was not the fault of the items company but I called Pay Pal who tried to make it my fault. I agree that I should have caught the problem but I have no recourse. Pay Pal needs to have a way to «cancel» out old addresses and they agreed it was a flaw but I am still out the 250.00.

do not trust this entity. 1^st they promised 3~5 business days refunding transaction and calls after calls they keep telling me different things and then it’s 7~10 business days and that the funds are not guaranteed?! so wtf is paypal’s doing other than taking your money?!
so i have lost $ 250 due to paypal telling me the refund is processing and thus i didn’t put a stop payment from my bank with this suspicious seller. paypal claims no responsibility that i didn’t not get my refund, which they promised in the 1^st hand. paypal does not work and you will loose $$ dealing with them. and upon all these social media bomb they choose not to act regarding a honest consumer’s $$.

Miserable experiences lately. Was transferring funds between myself and a friend to pay him back and PayPal froze the funds under «suspicion of money laundering». Their call center was worthless. They accused me of knowing exactly why the transaction was frozen. All over a measly $ 4,000.
Still unresolved.

I’m proud to say that I’ve been blacklisted by these nazi’s since about 2006. Remember when someone terrorized their building in San Jose? There was probably a great reason, and although I’d never do that, these guys took advantage of many people and deserved any retribution they received. Scammers and lowlifes. Dumped by EBay.

Wish I could give them a 0.
MLSS VERSION:
Beware! Do not make ANY mistakes on the amount of your transactions because PayPal just told me that if you do, the money «IS OURS.» You cannot cancel the transaction, (even though the website says you can.) You cannot get a refund from the merchant through PayPal because the money becomes PayPal’s money. (Yes they actually said that! For my future purchases. LOL!) You cannot have your bank cancel the transaction because they will go after your other payment option. Basically they have a right to screw up your finances in one fell click of a button. No more! I’m done.
DETAILED VERSION:
What happened was, with particular merchant, a 1 is automatically placed in the «quantity» box for one item (in this case tuition) payments. So when a customer puts in 10 for the «quantity» of another item, (in this case tickets) for a total of $ 200, it also adds the tuition to the purchase. Obviously this is not what I meant to purchase, so I phoned PayPal to cancel the transaction and they told me that although it has only been 10 minutes (I was on hold or it would have been 30 seconds) it was too late to cancel the transaction. I asked if I could have the merchant refund the money and they said «Yes, but the money would be PayPal’s money if you do that.» I asked for them to explain and the customer service rep said, «Let me teach you how PayPal works. The money gets taken out and if the bank account (or credit card source) it was paid from does not have enough money to cover the purchase, they go to the second source of payment.» Then, PayPal told me the transaction was «completed,» so it was not possible to cancel. Ok, but when I went to my PayPal account to take the payment source out, the message «Sorry, you can’t remove this bank account because of a pending transaction. Please try again later.» So for me it’s «pending» for them it’s «completed.»
This is not the way they should do business. It’s slimy. I admit, it was my mistake not to take the «1» out of the item box for an item I didn’t want. But, I’ve been using PayPal for many years, and I am not impressed with the way they do business and I was shocked at how rude the customer service representative was with his «let me teach you…» (So condescending!)
I will be researching other «wallet» possibilities.

Recently contested a transaction paid through Paypal. The seller forwarded evidence of delivery showing a signature which was not anyone in our household (it was misdelivered). Paypal rejected the claim. Paypal also imposed strict time constraints for contesting transactions too.
In the future, I will use my regular credit card. Paypal was easier, but it does not provide the protection that credit cards do, and the credit card companies I deal with all have longer time constraints and better more attentive customer service, and are very prompt and courteous when handling fraud. I feel like the regular credit card companies are on my side, while Paypal does not want to be bothered.
Weighing things:
Ease of use — Draw: With Paypal all I need is my sign in information, but they don’t like credit cards, forcing me to change the default each time. With credit cards, need to enter the account number, cvc code, address, etc.
Security — Credit Card: Paypal hides my numbers, but Credit Cards provide more attention with a two month window to contest a transaction, and they appear to investigate more. Credit cards also provide more guarantees if transaction is less than perfect (like when an airline sent me to the wrong city and I had to catch a cab home).
Fraud Protection — Credit Card: Paypal — who knows, but there appears to be no protection. Credit cards are proactive in dealing with fraud.
Account management — Credit Card. Call me old-​fashioned, but I still like to receive hard copy by snail mail — many don’t include full account numbers anymore so if anyone steals the mail, they don’t have my information. I don’t want to have to log on to Paypal and download a statement, and Paypal statements are largely inscrutable.
For me, unless I am forced to use Paypal, like on Ebay with many sellers, I will stick to direct credit cards. This time I was out $ 60. It is worth it to me to have to enter a few more numbers. I prefer the extra protection.

I’ve been using PayPal for years, and for the most part, they’ve been all kinds of awesome. They make managing finances easy. I’ve sold on eBay and been happy with the results from their end. They make printing shipping labels easy.
I also used them for credit card processing, and it was a piece of cake. They made accepting credit cards as easy as pie.
My only beef has been lately with their suped up anti-​fraud department has become a nuisance. My mother and I have been sending money back and forth for years, but in the last six months, PayPal has decided to start freezing our transactions as high risk fraudulent transactions. We’ve been doing this for five years, and there’s never been an issue or chargeback, yet PayPal feels the need to start impose their fraud regulation measures where there is no need, and as a result, I’ve had to call a few times and spend 30 min+ on the phone getting my account unfrozen. Thanks PayPal.

Paypal is pure garbage. As a business owner, I’ve never been notified once by them of a transaction. My customers have paid for items and are waiting for product. The only way I find out is when my customer calls me directly to inquire about their order… which makes me look like a moron… thanks Paypal!!!
I’ve seen more professional transactions conducted in the streets of Tijuana! !!

PayPal has to be one of the worst services I’ve ever used. They limit your account for some strange reason and ask for all kinds of information that honestly I’m a little leary of providing. I will not provide my SS#, bank account info, blood type, etc etc to this stinking company. Since I refuse to do this I also cant just close my account! I’ve never heard of such a thing. Usually if one hates a service, credit card, bank etc, one can just close it. Not at paypal, they put your account in some kind of «dormant» state, which means absolutely nothing in my opinion. Just let me CLOSE my account you mutha**ckers. Do yourself a favor and pay using your credit card, don’t waste your time with this mickey mouse service.

So I sent a payment to a recipient on ⁰⁸⁄₂₄ she then told me it says that it would take 3 – 5 business days to clear. so I told her to go ahead and cancel it and I’ll send her another one. So she did. but guess what??? PayPal still pull the funds from my account even after it was cancelled. And It would take 3 – 5 business days for me to get it back. Wtf. Why would you have a cancel button if you’re gonna pull the funds anyway? And the agent I got was just kinda clueless… she didn’t explain very well as to why it cleared my acct. and the 800 number sucks. I tried calling them back and I was on hold for 20 mins. And finally just gave up.
Just as I thought it can’t get any worst. PayPal is stating that the funds are gonna be in my acct. 3 – 5 business days and then I have to transfer it out to my checking acct. That’ll take 3 – 5 business days. F Paypal!

Paypal sucks. We’ve been using them since 2008 and they just keep getting worse and worse. It’s almost like they go out of their way to make using paypal as difficult as possible. They won’t even let us add money to our account now without jumping through all kinds of hoops, sending them proof of ID, address, social security etc. Good luck trying to use paypal when you’re traveling, they just lock you out of your account. If you want an easy way to send and receive money, saddle up and bring a bag of cash on horse back across country it’s faster and easier than paypal.

PayPal seems to be doing a ton of improvements. I like their new checkout process in stores. Also in the age of so many in-​store security breaches, I am most comfortable using PayPal.
I met a couple of folks from PayPal in valley fair mall. They came up to me to do a random survey and it felt as if they are really interested in solving the problems that users suggest.

I’ve been with them since 2008 and they seemed alright then. Now I hate them especially after having read some of these other reviews which are practically ALL negative. It’s not obvious on how to close one’s account and frankly I just don’t want to spend the time anymore, but I’ve unlinked my cc and obliterated any thought of linking my bank account with them.
Their Bill Me Later service is confusing to use and although they appear to give you payment options, somehow, my purchases go through BML because I’ve used it once (not realizing it was going to be such a nightmare), but I’ve never selected it as a preferred payment method. They ask for SS#, birthdate, etc to register for the service and when I didn’t, it sits there waiting for me to set it up whenever I try to read more about BML. Just because I use PayPal itself, it still redirects my purchases to BML! It comes off as if they’re desperate to have me link my bank account. I’m tired of spending so much time trying to make sure I’m not using BML and their reps tell me «we are happy to let you know that Bill Me Later is not selected as your default method of payment within PayPal.» Then if it wasn’t why do all my purchases somehow end up there?
I’m sick of them and will no longer use them!

One of the best places to work

I understand Paypal is becoming a monopoly with ebay purchases etc… and there is a convenience factor but they way they operate and do business leaves ALOT to be desired.
–Their customer service is extremely poor.
–If you purchase something on credit card, and need to dispute the charge they automatically put your account on hold. Even though you are the one disputing!!!
–Bank accounts automatically set as default and you can’t change that to credit card as they don’t want to pay for fee’s. LAME, give us the option please.
Compared to the service i receive from my credit card company (which is fantastic) Paypal has a lot to be desired.

On hold yesterday for the resolution center for TWO HOURS!!! I took a snapshot on my phone and finally hung up. I will be posting it for any doubters.
PayPal is a BILLION dollar company… seems odd that they can’t afford to hire a few more techs from India???
I am completely disgusted with the lack customer service in this greedy greedy ZILLION BILLION dollar company!

I opened my PayPal account in the year 2000. At the time it was required to deposit $ 10 to open up an account. As I remember I sent them a void check so they can get my routing number. They made two deposits of several cents to verify my identity after I told them via e-​mail the amount of the deposits. My initial $ 10 deposit stayed there for thirteen years until recently, I’ve never touched that ten dollars because I’ve always paid my bill in full. Now it’s gone and PalPal has no idea where it went.
I’ve corresponded with the company and they said that PayPal members were never required to pay a fee and that there was never a record of a $ 10 credit in my account.
Great! Now they are calling me a liar.
I suspect that this type of business practice is on going and possibly wide spread because this is the second time it has happened to me within a year but unlike today they corrected the problem last year, however currently they deny there is a problem and refuse to help further. If this happened to me twice then it must have happen to others. I am out only ten bucks but if you’re an active seller on eBay then I would keep close tabs of your account or not even use PayPal.
Beware of using PayPal.
Do not keep an outstanding credit balance.
Keep Records.