PayPal Horror Stories

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There are millions of PayPal horror stories on the internet today. There are many more yet to be written -- perhaps yours. This collection of "horror stories" is here to give you a small sampling of what others have gone through when dealing with PayPal. A good tip is to read our "PayPal TOS Exposed" section first, and then read some horror stories. You'll see how PayPal really works!

You can find more recent PayPal horror stories in our FORUMS and in our LETTERS TO THE EDITOR.

If you would like to submit your PayPal horror story here, you can CONTACT US and we will place your story in this section. There are other places on this website where you can submit your experience with PayPal. First you can post your story in our FORUMS. Second, you can have your story featured in our LETTERS TO THE EDITOR section. Third, you can submit your story in full article format and we will feature it in a special section. You can submit your article by CONTACTING US.

NOTE: The following stories have NOT BEEN EDITED for spelling and grammar mistakes. To protect user privacy, we have removed names as well.

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hi, does anyone know if theres anything i can do like take them to court to get my money back and report them to someone?

my situation is: i sold things on ebay and the money was coming in slow i transfered about £200-£300 into my bank so they decide to limit my account due to suspicious activity. The only thing i could do to lift this limitation was to become business verified and remove all the steps listed with them - which i did. once i had hit £500 of transfers to my bank - there is a limit on my paypal account of £500 that i can send to the bank per month so, i ring up to complain that this limit shouldnt be on there as i completed all the steps to become verified and they agreed and took the limit off. As soon as the limit was lifted i transfered £200 into my bank, as soon as i done this i got a phone call from paypal asking if it was me who autherised the transfer to which, i said yes. they were fine with that. a few days later i transfered another £300 into my bank in the morning, by the afternoon my account was limited again - suspicious activity, again. so i ring straight away to ask what is going onthey say they want me to fax them invoices for all the things i have sold to prove they were mine to sell. so, i told them there were 114 invoices in total and to fax these over would cost me a fortune, and asked if they could set up an email address that i could scan them into and send via email. - they done this and i sent them over the same day. i had no reply to the emails confirming they had received them also no phone call i left it until the next day and gave them a call, to which i got told there is nothing they can do it takes 72 hours to reveiw the case.

It has now been 7 days since the account was limited for the second time. I have phoned them every day since day 1 to try and get this sorted. I have spoke to about 500 different people - who claim to all be supervisors/managers, and when i ring the following day after a phone call and ask to be put through to the same person i spoke to yesturday - giving them the direct extension number to put me through, i get told 'that person isnt in today/that person is off sick today/that person is in a meeting today - excuses not to talk to me basically. Now, 'apparently' i have been talking to the Executive Resolutions Supervisor and got his direct phone number - which constantly goes straight to answer phone that i have left countless messages on to ring me back about this and still, nothing. Everytime i ring i get told someone will deffinately ring me back - they never do.
The last person i spoke to just now told me that even after all this they can still do what they want with my money - £1,015.83 and hold it for 6 months if they wish i told them this was not on at all and that i would be seeking legal advice today.
has anyone got any information what they can and cant do also is there anything i can do for example take them to small claims court etc.?????
thanks in advance for any help given - most appreciated.

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I was just reading over posting and found one posted not to long ago that stated that Paypal is not allowed to freeze all the funds in an account only the amount in question. Well I have a friend that his account was frozen, the TOTAL amount while Paypal had a question about a refund he gave 4 months ago and was already settled. One thing I see in common in alot of posting is that the accounts are around the $1000 and higher mark when they got frozen...as in my friends case. I represented my friend in his battles with Paypal and slammed them with SEVERAL violations that they were doing and within 24 hours his account was released. However he has yet to have a transaction be completed without some sort of interaction of Paypal including holding funds until he received a positive feedback for an item!!! I personally havent had a problem (yet) with Paypal but don't use it much, I think I have like $6 in my account anyhing over $10 I transfer out ASAP, but I strongly join the fight to get information out about the truth about Paypal and hope to see them go down in the very near future.

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I established a checking account solely to accept Paypal payments. My latest buyers seem to be shunning Paypal and sending money orders or cashiers' checks. I emailed Paypal and asked them how they would fund postage fees (ebay mailing labels) in the event of an empty checking account. They emailed me back, claiming that they would first search the checking account and then, if no fund balance was found there, would charge my preexisting credit card.

I then printed three mailing labels via Ebay.

PayPal never charged my credit card; they charge my checking account and have SO FAR caused $66.00 in bank overdraft fees (for small postage charges). PayPal has been unresponsive to my emails and calls.

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My paypal recently just got freezed. They said there were "suspicious transactions" going on with my account. I never charged back any sellers money and only sold like 4 item during my 2 years of Ebay/paypal membership. Now i think what they think suspicious is that 2 of the things i sold were maybe paid with suspicious money, because paypal advised my not to send the items. Luckily i didnt have any money at my account at the time there were frozen. But anyways now i keep getting emails from them about requesting my information like a copy of my
ID, creditcard info(which i dont have). I dont really feel like giving them my personal information about this, plus i dont even have a creditcard. So my question is what if i just ignore them(just let my account frozen, i dont need it anyway). How far can they go with asking my info?

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.hate.pay.pal

For the second time in 2 weeks Pay Pal has decided to
limit" my account. This sh** is getting OLD. What gets me is this time it is limited with shit that was TAKEN CARE OF LAST TIME! What the he**? I run a business, ok, try to. It's small but to seems to be going good. Got the assumend name record, Halkum Media Concepts, the official web site (http://www.halkum.com), and the BUSINESS bank account (Compass Bank rocks guys seriosuly). However, I use pay pal for most online transactions. My business is almost purely web based, meaning theres NO shipping at all of my services. The ONLY thing I have done recently that requires shipment, is accept payment from the UK for some rock show tickets by a friend of mines companey, and THEY are shipping them, not me.

First time around Pay Pal limited me and required me to fax in my assumend name record, ss card, and drivers licsense. I also had to confirm my address with a credit card (once again thank you compass bank), and confirm my ss number which at the time THEY ALREADY HAD HOOKED TO ANOTHER ACCOUNT FROM 7 years ago. WTF? Thats why I faxed my SS card too. One last thing they asked for is shipping confrimation.

After faxing ALL of those documents and calling 6 times in 4 days, it was cleared up AND they took off the shipping verifcataion since my damn business is WEB BASED. Yipee I could then touch the 106 bucks I had in there.

This morning I go ebaying, I see a star wars boxed set, all 6 movies in factory packaging for 15 bucks shipping and .99 first bid with a couple minutes left, so I grabbed that bad mojo up. Goto pay and BAMlimited ****ing account.

Of course I run over to the resolution center where I see it, the ****ing "confirm shipment" is back. Mother ****ers. They where smart, they picked 3 payments from people WITH shipping address and one WITH NO ****ING SHIPPING ADDRESS AT ALL, which makes it IMPOSSIBLE to have a tracking number.

I entered in 15 as the tracking number for that one since they paid for an account with me and their user id is 15. What do you know, it accepted it and now took it off the. list That leaves the other 3. 2 of which are for ticket purchases from the UK and the last is a friend sent me for some programs I had and he DOWNLOADED from me.

I'm going to the P.O in about 30 minutes when they open and send a couple letters to the UK with certifacation, thenone to my buddy explaining why I am ****ing mailing him. Then I'm coming home and marking them off as sent and going from there. But damn this shit makes me mad.

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Hi Everybody
Im a trader on Ebay and have had my account paypal, that is, limited.
After confirming bank account, credit card details, etc. They now want proof of inventory and receipts for purchases of items I am selling.
Now....
Proof of inventory and receipts.. I can not provide.. The supplier is a casual one to me and doesnt really want to have his details used in such manner and also he doesnt provide receipts to me. We have had many transactions, and no "claims", in other words, everyone has received items. This is not enough for paypal, depsite them even leaving feedback. Even after me telling them they are ruining my business, because cashflow is decreasing due to the fact that they are holding accumulating funds, they insist on supplier detail and receipts. I'm sure at least 50% of ebayers dont have such recipts etc.
Lastly, the most important point i need to know is... at the moment I am continuing to ship these items out, beacuse I can actually still receive payments. Now... Going all well, and the buyers received their items, can paypal "backdoor" me by refunding them anyway? Coz I would hate to continue shipping these items, and find out that the funds would all be returned to buyers because of some bullshit policyt with receipts.. In essence what I wanna know is, can (a) i have access back to my account and (b) are the funds secure.. will they return them, depsite no dispute lodged ?

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Hi ,

my account was froze , they shown that :We have reviewed your PayPal Account, and due to the excessive risk involved, we would like to begin parting ways in a manner that is least disruptive to your business.

anyone can help me , i do business in ebay ,and do many business everyday , they froze my account , cause can't do business , anyone have the same case ........anything can i do ??help me !!!!!

~~~~~~~~~~~~

hate paypal

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Last year I started a small business on ebay. Last month I recieved a chargeback from a customer who made a purchase 3 months before this. I was never told what the chargeback was for only that either an unathorized charge was made or they never recieved the item I shipped to them, I am sure if they didn't recieve the item they wouldn't wait 3 months to complain. However my account was frozen and payment was stopped on all my checks. Every dime I was investing was in this account which left me penniless and put me out of business. I was devistated this happened 2 days before Christmas. Final result was that the purchase amount is being taken out my account and the customer never returned the mechandise. So I lost both ways. THIS PAYPAL ORDEAL IS A REAL NIGTHMARE!!!!

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i am a new seller to using paypal on ebay , but i only using one week , he limited my account , i don't know why and what can i do now , Can anybody help me to restore it , thx a lot !

As part of our security measures, we regularly screen activity in the
PayPal system. During a recent screening, we noticed an issue regarding
your account.

We have observed activity in this account that is unusual or
potentially
high risk.



For your protection, we have limited access to your account until
additional security measures can be completed. We apologize for any
inconvenience this may cause.

To review your account and some or all of the information that PayPal
used
to make its decision to limit your account access, please visit the
Resolution Center. If, after reviewing your account information, you
seek
further clarification regarding your account access, please contact
PayPal
by visiting the Help Center and clicking "Contact Us".

We thank you for your prompt attention to this matter. Please
understand
that this is a security measure intended to help protect you and your
account. We apologize for any inconvenience.

Sincerely,
PayPal Account Review Department

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While I was in hospital for treament of post traumatic stress (stillborn child in second trimester) paypal arbitrarily limited my account because they noticed I paid a bill for someone else, and I deliberately sent it to the creditor's account.

They immediated stated I was "linked" to the other person's account, I must probably live in the same house as them (even though, I'm not sure where Toronto, Ontario, Canada, and Indianapolis meet each other) and limited my account.

They said that unless I paid $500 USD to clear the persons account they wouldn't remove the limits from the account. It took a lot of screaming, yelling and stress just to get the limit removed. The stress I could have done without, because I'm on a fair amount of psychotropic medication and I had just gotten out of inpatient.

My husband argued with them, and he's more tactful than I am. Finally someone named "Gabriel" removed the limits, but now I use paypal with caution, and only from one IP (I hav 5 static IPs.) I wish someone would come down on them for their practices on this. No CC company has ever done this to me. I guess I was lucky I didn't get my bank account cleaned out by them, but the added stress I could have done without it.

Anyhow, I'm glad this site is here. I'm quite sure they don't have a Paypal Canada, though I've heard one is in the works..bah.

Time to ask the federal government to start the monitoring, I guess.

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Tried tonight for the first time to use Paypal to purchase something with my CC. Normally we use our business CC. I got an Error saying my CC info was invalid and that I should try another Card. I verified the Info on the card and submitted it again. Again the same Issue. I called my CC company to ensure that the Card was OK (can never tell with todays Fraud). My CC company confirmed that all was ok and also Informed me that PayPal had billed my card $1.18CDN for each time I hit the submit button. I then proceeded to find Paypals phone number (long Distance non toll-free)

I called PP and spend 15 minutes dealing with the rudest lady I have ever spoken too... She had me attempt the billing again and again to no avail. She then informed me that the problem was not my credit card but the address verification was invalid and they I would again have to call my CC company and confirm the exact layout of my address including all puncuation and Capitals. And she gave me CC Trans ID's for the charges so that my CC company could reverse the charges.

Another call to my CC company and they inform me that they could not remove the charges without the Company who placed the charges to my account calling them. The nice man at my CC company and I confirmed my billing address and I had everything correct. So we attempted the charge again.. Only to find out that and error occured again..

So back to calling PP and I get another Idiot who does not know what he is talking about.. They refused to call my CC company to have the charges removed. I asked to speak to a supervisor. In the end the story the supervisor gave me is that they do not have the functionality to call out to the CC company to help resolve these charges and that the charges should be dropped in 4 business days. This supervisor also told me the reason that I got the error is that they no system that is designed to verify Canadian CC's and that some cards will work and some wont. I happen to ahve a card that will not work with their Address Verification System..

I cant believe that in todays Global Market PP can not handle Foriegn CC's... Fustrated and angry I hung up on PayPal with my Issues not resolved.. I cant understand how the can lock funds on my Credit card but yet are unable to charge 13$ to my Credit Card...

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I am an original paypal user over the years I had my issues with them but have managed through persistence not to loose any money at least that I am aware of. I never shipped overseas because I did not want to wait in the long post office lines. Within the last couple of months I decided to start shipping overseas. Within the first few overseas transactions I had two cases filed against me. Both were claiming they had not received their items after only a couple days after payment was received. The first person was German. He made his claim in German. When I translated it online it made no sense, paypal could not tell me what it said either. He immediately escalated it to a claim so I could not make a post on their forum. At the top of the post page on pp it stated that if I did not respond within I think it was 14 days they would find it in his favor. Like a stated I was unable to respond with a post. They took out the $76 in question until the case was resolved. We immediately contacted them in protest. They wanted shipping confirmation we had a receipt that only confirmed shipping to Germany we had already been informed by the post office that overseas confirmation is not really offered. Paypal claimed with out that, there was little they could do. We checked the feedbacks for the individual on ebay and found he did this to another U.S seller. We informed PP that this person had done this before; they claimed they would look into it. The 14 days ran up we called them at least 5 times and sent them faxes that they kept loosing. Every time we did they entered it in as PP contacted us not that we contacted them. They automatically found it in the buyers’ favor it turns out that it is an automated system that if we could not provide them with tracking confirmation there was nothing they would do. They took out another $76 from the account on top of the $76 they already took out. After what feels like a hundred calls we were given a refund from PP they put the $76 back in the account twice to make up for taking of it twice. As far as I know the German got away with it. They just gave me shut up and go away money.
At the same time a women from Singapore did almost the same thing but she did not escalate the claim I was able to post my comments. She received her item in a very timely fashion but left the dispute open apparently she got mad at us during PP negotiations because we told her she needed to be patient. She now wanted a partial refund for some crazy lady reason. I gave her $5 through PP with the understanding that she would close the dispute and be happy. After receiving the partial refund she then insisted she wanted more money from us so I thought enough is enough I posted through PP we have done all we would do to make her happy that she could apply the $5 we gave her toward shipping and we would refund her, her money when we received the item. I then made the mistake of escalating the dispute to a claim. I had talked to several PP reps about the situation and all agreed we were in the right. She admitted she had the item so the whole claim was invalid. The case was supposed to go to review than awarded to us, so we thought. Again we lost, we found out again that the automated system took over and they refunded her the money $42. So now she had the item a partial refund and a full refund. We again call PP they tell us we should see the money in our account in 24 to 48 hours. All they did was reopen the case. No money was returned to our account. After a week or two they find it in our favor but they claim it’s up to us to get our money back from the buyer and there is nothing they could do to help. After some threatening words from our end they say we should see the money in our account in the next 24 to 48 hours, again.

To make long stories short, all an overseas buyer has to do is file a dispute than immediately escalate it to a claim and there is nothing you can do but watch the days go by until you automatically loose and they get their money back and get to keep the item. For me it was a principal thing to get my money back if you add up the hours of phone calls being on hold than transferred from here to there, it’s not worth the money. I will never allow them to steal from me. I have had many problems with them over the years. They were a much better company before ebay purchased them. Back then I had a person defraud me out of $150 with one phone call they apologized that this happened gave my money back and told me I was a valuable customer but that went away a long time ago.
My advise to you is keep calling eventually they will give up.

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I have had money locked in my account for over 2 months now because of the ps3 & wii's. I had no clue of this limitation if I had known I would have never sold these products. I purchase these items with a credit card thinking I was going to receive the funds instantly! I Think paypal should pay the interest! They keep asking for something different each time!I have did everything they have asked!! They claim they are calling my customers but the customers claim they have not received a call! I forward these conversations to paypal & they have the nerve to say it is a fraud! I They are causing me too many problems & this must come to an END!

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I've posted on there in the past. On Jan 14th, my paypal account was frozen and I got the "we need more information from you, please fax a letter with your supplier's address and info etc etc etc"

Since I ship from my house, I don't have any other addresses to give them. The main problem is that I transfered about $3000 on the 11th and 12, which was 2-3 days before my account was frozen. When I log into paypal, it doesn't show these funds as being "placed on hold" or "unauthorized", so my question is; will these funds go through? I know that after a transfer has reached a certain point, paypal cannot reverse it, so I'm hoping that my money goes through, and I can ship my customer's goods out.

I have no open complaints or open disputes on my account. But if paypal freezes funds that were withdrawn before the account was frozen on Jan 14th, I am certain to recieve a large number of complaints and disputes due to me being unable to send out customer's merchandise.

Mostly, I just feel bad for my customers, who paid for products, and now will probably not get their products, and may even have to fight paypal to get their money back.

Paypal has asked me to fill out a credit application, and told me that they are going to run my credit. I assume that this is because of my high sales volume. I also have customers whose products have gone on back order and whom I nee to issue refunds to, for several hundreds of dollars, but cannot issue refunds to these valued customers because my account is frozen. I hate to do it, but if these customers want to get their money back, I may have to advise them to file chargebacks with their banks, so at least THEY won't lose money, and it will become paypal's problem.

Does this madness ever end? Signed up for a merchant account today, with high rates, and ridiculous fees. Hoping only that my money will not be frozen for what seems to be no particular reason.

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Okay, this is not exactly a horror story, but I thought you guys might be able to help.

A couple of years ago, I added a bank account to my PayPal account for withdrawals. Some time later, I upgraded to a PayPal business account without any problems. I recently had trouble with a scamming seller on eBay, and I decided to close my old bank account while doing a chargeback against the person. After that was resolved, I opened a new bank account and verified it with PayPal.

I went to withdraw some money, and I noticed they'd replaced the "bank account name" with my PayPal *business* name. Now, this is a personal bank account in my personal name, so the transactions would most likely have been denied, resulting in two $30 fees. Worse still, I see no way of changing the name they use for withdrawals.

I have been going back and forth with PayPal on this for about two weeks without making any progress because of their way their customer service system works. I just keep getting back inane replies that are completely useless. The only real option they've offered me is downgrading my account to premiere, which is obviously not much of a solution. They seem to have a hard time comprehending the simple facts that I 1) want to maintain a PayPal business account and 2) want to make withdrawals to a personal bank account.

Has anyone got any experience with this? Is there any way to do this without downgrading my account? When I originally upgraded to the business account, they never changed my bank account name, so I don't even know if downgrading would help.

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I recently tried to pay for a auction that I won on ebay. The winning bid was $111.25. I followed ebay's link to pay for the auction. When I go to paypal I entered all my credit card info, just like I have always done. It then said my credit card was declined. This is impossible. So I called my bank and asked them why it was declined, she told me that it was not declined. She told me PayPal charged the credit card 11 times. Paypal had withdrawn 1,223.75 from my checking account. After finally getting a hold of an actual person at PayPal, he told me that it was a mistake in the system. And that they are working hard to fix it, but it would be 3-7 business days, before the money would be back into my checking account.

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I logged into my paypal account this morning at 6AM Eastern time to send a payment and it wont let me - it says I must verify my email before doing so. All of my emails on the account are verified, and when I go in to reverify it says they are already done!

So I waited until 7AM Eastern time because paypal says they open up for customer service by phone at 4AM Pacific time, and I have been calling their number for 20 minutes - it's now 7:25AM, or 4:25AM their time - and their message says they are closed.

So what the hell?

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Ok in the past November 2006, i sold my wow account for $1000 USD, I heard all these rumors about chargeback etc so i got worried and scared. After he sent me the money through paypal I receieve it and got it and cashed it and then i CLOSED my account with them. THEN 3weeks later, The buyer file for a dispute lying that he did not receive any of the material after "3 WEEK" now my account is closed and i cannot even REPLY Give evidence or logg into the paypal account but i received emails saying im in dispute and then "2week later" it says i lost the case due to "I DIDNT PROVIDE Any information" now its jAN 06 and i just recieve 2 harass calls from IC System debit collection agency and then now i got a MAIL "BILL" of $635 that i dont know how $1000 came down to $635? hmm interesting enough I NEED HELP anyone who had gone through this crap please help me i dont want to be in debit and i dont owe anyone any money?

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I received a call today from someone with Paypal I thought this was some kind of scam because he was asking for personal information. He called on my cell and we lost connection. Within a few minutes my account was limited due to suspicious activity. I have not used my Paypal account since April when we purchased a used motor home from eBay. I decided last month to sell all my Remote Control cars and parts because December would be a good month to move this stuff. I updated all my account information, such as credit card since it had expired the last time I used Paypal. I am a verified member since 1997 I use eBay and Paypal mostly to sell my RC stuff and a few odds and ins. So here I am with an account I can't pull my money out. I have been to this site in the past a read all the horror stories so I made sure to transfer my money immediately, but they got to me and they have just under $800.00 of my money.

I went through the verification process I just received an email from them see below. Now they want verification on the item I sold with the suppliers phone number and address. What are they going to seriously call them and say hey did so in so buy this from you 2 years ago. Come on.

We're sorry, but your account access limitation cannot be lifted at this
time. We need more information about your account before we can restore
full access to your account. Please complete the steps below so that we may
review your account further:

- The tracking information that you have provided us shows that some
merchandise is currently in transit. Please contact us again once all the
tracking information shows the items have been delivered.

- Fax copies of the original bills of sale or invoices referencing your
purchase or acquisition of the items you are selling along with the name
and telephone number of your supplier(s)

If you are faxing information, you must use the cover page provided by
PayPal. The cover page contains information specific to you and using it
ensures that your documents are routed and handled in a timely manner. To
print the cover page, log into your account and click on the fax documents
link on the "Limited Account Access Details" page.

Sincerely,
PayPal Account Review Department

Please do not reply to this email. This mailbox is not monitored and you
will not receive a response. For assistance, log in to your PayPal account
and click the Help link located in the top right corner of any page. If
your inquiry is regarding a claim, log in to your PayPal account and go to
the Resolution Center.

PayPal Email ID

Now of course I don't have the receipt most of the stuff I am selling is 1 to 5 years old. Any suggestions on how to get my money? Can I sue them in small claims court?

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On December 6th I made an internet purchase thru Paypal for $27.30. They sent me an email on December 13th and said that the transfer from my bank failed and they were charging my credit card for the same amount. Another email said they had deleted my bank account from my Paypal account and that I needed to contact my bank regarding this matter, not them. So, I called my bank and they said that the amount had been transferred from my account on December 8th. So, I had been charged on my ccard and out of my bank. I called Paypal and after waiting 45 minutes, I got someone. They told me that I would need to fax my bank statement for proof(which I did the next morning) but they were not showing anything. They also said I would have to open the bank account again (you know what a pain that is). They said it would take a few days to look at it once they received the info. Well, I got an email that they had reinstated my bank account (which I had been told they couldn't do that) and I would need to login to complete the re-instatement. Well, they had not done anything. They wanted me to resubmit all the info like I was adding a bank account. Anyway, they didn't address the issue regarding my faxed statement. I called them a couple of days ago to find out what is going on and I had to go thru the process of getting someone to contact me which would take up to 72 hours. Someone emailed me 4 days later (today) and said it looks like my credit card is the debit card attached to my account. EXCUSE ME, they are two different banks!!!
I have contacted my attorney general and will contact the SEC. This should fall in their jurisdiction. I will also talk to my representative (we know him personally) to let those in Washington know what is happening. They don't know who they have messed with. I didn't know this had been going on and I feel this must be their new scam. The item is listed differently than other Paypal transactions, but it still says Paypal. My bank is trying to track down where it transferred to. What if a Paypal employee is stealing out of accounts? Think of how much money they could end up with. I am interested in hearing if this has happened to anyone else. I am going to get something done about this!

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My PayPal account is limited due to a dispute with a seller over a returned item.
My New PayPal problem is:
A buyer of mine returned an item (refused delivery). I need to refund the buyer but since my account is limited I can't send or refund any money. I called PayPal customer service and they said I have to email Customer Service and ask them to do a refund. I feel really uncomfortable with this since I have no control over how this is done. I have thought about funding my PayPal account with exactly the amount of the refund so then they could just transfer that money to the buyer. But with my account being limited, I'm worried the money would get tied up somehow. The buyer could do a chargeback but I'm sure I would get stuck with fees if this was done. So, when PayPal limits someones account, everyone gets screwed!!

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Omfg,.. can't believe it. Just log into my paypal account today, it says my paypal is limited, can no longer be reinstated due to bad credit. I had this account for almost 2 years, and currently selling on ebay with 100% feedback... how the fu** they suddently check my credit score.. then freeze my account with almost $2000 in it... god damn..Not kidding... my listings are still on ebay.. but can't modify the listings to state that i couldn't accept paypal.. i still need to do the business to live off my life.. for people who are curious... my ebay account is 8055shop anyone recommand any other merchant account that will work with ebay?? i have signed up bidpay, but it seems not working too well with ebay.. help!!

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My compliant is regarding PayPal and the actions they took on October 5, 2006. I used to be a regular PayPal user until my account was limited for the following reason directly copied from the PayPal website. "Oct. 5, 2006: Recent account activity has made it necessary for us to collect additional verification information." My primary use for PayPal was to sell various personal goods via EBay or through a website. I started selling more personal items so I decided to offer another payment method. I wanted to offer people a chance to pay via Credit Card so I signed up for the PayPal Virtual Terminal service. I received an email stating that my application has been rejected and the following day I receive an email telling me my PayPal account has been limited because PayPal needs to collect more personal information about myself. So now I am required to fax a Utility Bill and a Driver's License/ID. I promptly fax in the information and a while later I receive a new email saying that PayPal needs to collect more information, so now they need my Social Security card and a pay stub. Again, I promptly fax in my information and a while later I get an email stating that PayPal needs to collect more information. Now they need my Social Security card again and for me to sign a form stating that this is my valid Social Security number and address. Again, I promptly fax the information to PayPal and a while later I receive an email saying that PayPal uses a third party vendor named Experian to verify my Social Security number. Here is a direct quote from the email; “We use a third party vendor, Experian, to validate Social Security numbers. The information we received from Experian indicates they were unable to match your Social Security number with their records.” After 2 months of going through many conversations and faxes I am now told over the phone that the main problem is that PayPal cannot verify my Social Security number with Experian’s systems, the person even admitted that was the root of the problem from the beginning. Also I would like to mention that in one of the several conversations I had with PayPal, a representative told me that the information I faxed a month ago was enough information for PayPal to lift the limitation off my account. So now I don’t understand where faxing all of my information came into play because they aren’t using that information for anything because they are trying to verify my information through a third party vendor. So now I am provided with a telephone number to contact Experian in the email PayPal sent me. I call this number and it leads to an automated voice system which gives me the options of purchasing a Credit Report or managing my account, there was no option to talk to an actual human being. So now I call PayPal back telling them that I can not contact an Experian Representative with the number they gave me. They tell me that is the only number they have and I should try emailing them with the link provided in PayPal’s email. I submit an email stating the entire situation but for some reason that email is linked to CreditReport.com instead of Experian so they tell me that they are not Experian and can not do anything about the situation. So now I decide to get a Credit Report from Experian; I signed up and my information was verified/brought up with their system. So now I can view my personal Credit Report through Experian’s website. So now I decide to call PayPal again and tell them that Experian has all my information and everything works perfectly fine. They put my account in review and a while later I receive an email saying that Experian can not verify my Social Security number. So now I call PayPal again and ask them what I should do because I have a working account with Experian and for some odd reason my account still cannot be verified. I am told that I need to contact Experian and ask them what to do. So now I am trying to find a way to contact Experian; after sending in disputes about my information being invalid I get an email with a phone number that I can use to contact an Experian Representative. So now I can finally contact an Experian Representative and tell them my situation and what I can do. I was required to give the Representative my Social Security number and other personal information in order to login to my account. She logs into my account and says everything is working fine, the information is correct and that there is no problem. She also tells me that I should print out my Credit Report and fax it to PayPal. So now I send one more fax to PayPal and of course the long review wait and to no surprise I get the same email stating that Experian cannot verify my Social Security number. (Don’t you think a Credit Report from Experian’s website is alone enough proof that my Social Security number is valid and everything works?) Well that’s what I asked PayPal and they didn’t respond to it, they just told me I need to contact Experian again. So I tell the person I want to speak to a supervisor which now tells me that there is a problem with Experian’s system regarding my information and I have to sit around and wait for PayPal and Experian to resolve the problem and then I will receive an email from PayPal. So now there is a new problem that was never brought up? It seems like PayPal just keeps leading me to do new things; asking me to send in information that has no purpose, not telling me the truth, not responding to questions or statements and honestly every time I speak with a PayPal representative they make me feel like they are trying to quickly tell me anything so they don’t have to keep talking with me.

20 phone calls later, 5-10 faxes later, 4 months later I am sitting here receiving the same response from PayPal and every time I do everything required + more, there is always a new problem. My information is valid and correct, I’ve had many jobs and I’ve seen my background checks, I can access a Credit Report, I am a Legal Citizen! I feel my rights are being taken advantage of and PayPal is not trying to resolve my case.

Extra Notes:
** For some odd reason the email I receive from PayPal stating that Experian cannot verify my SS# isn’t always the same. They add a new paragraph, rephrase a line, and the most recent email stated that they cannot verify my DOB as well.
** Also I have been told many times that the review process takes 48 hours but it ends up being 5-7 days.

I submitted a compliant to the BBB but I have no idea what else I can do... Someone please help!

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Well from doing a legit deal from a virtual item. Game account online i made 315bucks in my paypal but then after a few days my account was limited!

So now I tried to unlimit it by adding bank, credit card, and confirm location. And i did everything and waiting for my expanded 4 digit 2.45CAD charging to my credit card. Just waiting for that last step now.

All of a sudden an email today i got:

Dear Vince ****** ,

Your account access limitation cannot be lifted at this time. We need more
information about your account before we can proceed with the appeal
process. Based on a review of your account and the information received,
you have or are related to multiple PayPal accounts that have unresolved
issues. Before we can further review this PayPal account, you need to
resolve all outstanding issues with these linked accounts, including
bringing any negative balances to zero and resolving all complaints for all
linked accounts. The email domain names for these accounts are:

@hotmail.com -$340.52 USD
3 accounts @gmail.com

In order to resolve the negative balance on the account, please send a
check, cashier's check or money order for $340.52 USD to:

PayPal Inc
Attn: Account Review
P.O. Box 45950
Omaha, NE 68145
Personal checks are only accepted in U.S. Dollars. We will accept cashiers
checks or money orders in U.S. Dollars, Pounds Sterling, Euros, and
Australian Dollars.

Please include the email address of the account that is to be credited.

Accounts paid by personal check have to remain in good standing for 30 days
before the account can be reviewed. We are unable to accept credit card
payments to resolve this negative balance.

Thank you for your patience and cooperation in this matter.

Sincerely,
Alyxx
PayPal Account Review Department
PayPal, an eBay Company


What in the world? What am I suppose to do now? My account is limited, I just realized i cannot close my paypal nor remove my CC and bank information. What's going to happen? Please help thank you so much

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Last week an eBay seller sent me a PP invoice because all other payment methods were not working. When I hit “Pay” thinking it would direct me to a page with payment options (credit card, debit card, bank, etc.), it actually paid the money out of my PP Credit account, which I haven’t used since 5/05 and forgot I had. I needed to pay by credit card so I called to ask customer service to reverse the charge.

First, they claimed because I had money in my PP account, so the “PP policy” was to deduct $ first from the PP account, then bank account, then PP Credit. I told him my PP account had been empty for over 2 weeks and I should have been given a choice of payment regardless of whether I had funds in any account. After putting on hold for a while, the agent said I was right (they are clueless). But they couldn’t do anything; I’ve to ask the seller to refuse the charge. If I were the seller, I wouldn’t be happy about the hassle.

Later that day, after fuming the whole time, I placed another call to complain about this “forcible payment” method and was met with denial. The agent claimed PP would always give a choice. Hogwash. They can claim whatever they want but I wasn’t blind, there was no link for other payment methods. The seller’s invoice doesn’t specify that I've to use PP Credit so it has to be some programming in PP's system that direct the payment method.

---

Ok,
I'm new to Paypal and Ebay. I jsut set up both accounts about a month ago and just recently added AND CONFIRMED my bank account. I sold an item on eBay (a video projector) for $530.00. The buyer made an instant payment and the funds are in my Paypal account. Stepping back, in order to be able to receive payment in excess of "$0.00" I had to upgrade to a Premiere or Business account. Since I don't want to do business as a company or organization, I upgrade to a premiere account successfully. Ok, so this morning I initiated a withdrawal directly to my confirmed bank account for 100.00 (out of the 530.00 projector payment). Then when I came home from lunch I found Paypal had limited access to my account and REVERSED THE WITHDRAWAL I HAD INITIATED! In order to remove the limitation on my account, I must jump through several hoops, including verification of shipment of the projector (WHICH I CANNOT EVEN PUT MY HANDS ON THE PAYMENT FOR!) Yeah right, I'm going to ship out the projector before I even find out if Paypal is going to release the funds in my account?!?!? No Way! Antoher thing they want to remove the limited access is my "business information". What?? I'm not even a business, nor did I try to be one. I upgraded to a premiere account, and only because I had to in order to be able to really do any kind of business through Paypal.

So now it looks like I have to "make up" some business info and purchase a shipping label for the projector so I can provide them a tracking number before they will even consider letting me get the money that was paid for the item!!

This is ridiculous. As soon as I get my hands on MY money (if I do, that is) I am leaving Paypal in favor of Bidpay or the likes, and never looking back!

---

I would like to complain about paypal. They keep advertising on the net that Paypal is "Safe" and you(the buyer) is "protected". It all turned out to be another of their money making scam! In their Buyer Protection Program, the Seller is protected, Paypal makes more money, the Buyer loses money!

Here is what happened. I bought a very expensive Transformer toy on Ebay from this Seller from Taiwan. I paid for the item via paypal, which includes an overcharged postage price by the seller (which he claims is insured). When the item arrived, I was shocked to see the seller had packed the item with just paper thin soft foam sheets tapes together. Now this is a high priced collector's toy! The box was totally 100% squashed. I did not open the toy box as I wanted to return it to get a refund. Contacted seller, and he replied by email saying "you can claim insurance". I asked him to provide details of insurance (eg how much it is insured for, and in whose name?). Seller did not respond.

I opened a dispute on Paypal. This is when the real nightmare starts. I posted the problem in the dispute forum. Seller emailed me privately the next day saying he has sent a full refund. I checked paypal, no refund into my account. I asked him to clarify and provide record number or refund, no reply. For about 4 days I waited, it seemed clear to me Seller is 100% dishonest besides being stupid for posting the item without proper packaging. I quickly escalated it to a paypal claim.

Few days later, got an email from ebay saying the seller has filed a "non paying buyer" complaint. Now this is outrageous! I complained to ebay, and got no response. All ebay's links just leads to "take it up with paypal since you paid with paypal".

Then paypal sent a message saying that I will get a "full refund" (of course they want their $25 out of it), PLUS, the seller has requested the item to be sent back to him and I must bear the cost of postage (AGAIN!), and provide the extra service of a POSTAGE TRACKING NUMBER!
So now from the refund, I have to deduct Paypal's $25 fee (for doing nothing and just pasting their cut and paste unfair 'verdict'). Look who is protected in this scenario? The Seller doesn't lose anything, he gets his item back. Paypal makes $25. Meanwhile, I have to take out $25 + a special INTERNATIONAL delivery postage with tracking number! This is a large item and postage isn't going to be cheap! The seller caused the dispute to happen with his stupidity and negligence in packing, now I have to bear the cost. Bear in mind the original postal from the seller to me is also charged on me when I bought the item off ebay!

I have sent 3 emails of complaint to paypal's "Contact Us", but nobody has reponded to my email. And I just read in their verdict "Please provide a tracking number of the postage before 12th Jan 2007. If tracking number is not received by 12 Jan, the claim/dispute will automatically be closed"!
Now paypal and the seller are keeping silent, waiting for 12 Jan to come.
Paypal gets $25, seller gets item back. Nobody loses, except the BUYER!

They should change their marketing to "Use paypal at your own risk! Paypal protects the seller and not the buyer, since the seller pay's Paypal's fee, we are going to earn some money off the buyer with this program". I would like some advice, is there a way I can sue them!

---

I recently posted my laptop computer on ebay. Someone living in the same city emailed me and asked if he bought the computer if he could come and pick it up. I contacted paypal and spoke with a customer service representative. I told the lady on the phone that this user who wanted to buy my laptop was unconfirmed and new to ebay. The lady told me that i could accept the money and not give him the laptop until the money had cleared from my paypal account to my bank account. I asked her three times if i had the money in my account , was i liable for any fraud, and was I covered. The lady confirmed to me that i was 100 percent gaurenteed against fraud once the money was in my account. So with her word, i contacted the buyer after the money was in my bank account, and told him he could come pick up the laptop. I scanned his passport and his healthcard as proof of purchase when he came to my house. Three weeks later i recieve an email from a seller, who sold to the same individuals claiming that he was being a victim of paypal fraud. I checked my account and there was a reversal of funds. I contacted paypal to see why there was a reversal and they told me that the individual was using a credit card. I told the supervisor that i got an assurance from a customer service representative prior to giving him the laptop that i was covered. The supervisor said that it was not documented , and the it showed on her terminal that the reason i origianlly called paypal was to find out how to make one bank account a primary account. That's bullshit because i already knew how to do it. Appearently there are around 10 individuals who were scammed by the same person on ebay, and he stole aroudn 9000 dollars combined from all of us. We all live in canada. I filed a complaint with the police and the RCMP (fbi of canada)but it seems that they're taking their time. I am also seeking legal action against the individual. However, i think the way that paypal treated us is horrendeous. They lied to me on the phone. They were not at all helpful. Do you think they have the conversaiton recorded. The one where i get an assurance that i was free from fraud. Also, what do you think my next action should be. please write back. thanks

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I've read several of the horror stories here regarding paypal, but mine seems a bit different, and in many ways worse.
I set up my paypal account in the summer of 2006 and just sort of forgot about it until I thought I would need it. Well
last October, one of the companies I do business with asked to be paid via paypal. So I agreed and proceeded to transfer
a $100 from my bank account into my paypal account. Everything went smoothly and the paypal system happily took my 100
bucks. Then I tried to pay the business in question but the paypal system said I couldn't because now I must verify my
credit card address by receiving some automated phone call. So I tried entering my credit card info but then was rather
shocked to see that the paypal system wouldn't accept any address but in the U.S. Though I am a life-long U.S. citizen with a U.S.
bank account and U.S. credit cards, my address recently changed to Europe because this is where I do business.
So I thought no problem, and I'll just pay the business some other way, and close my paypal account and they'll give
me my money back. Or at least I thought. When I tried to close my account it said it couldn't because I haven't verified
my credit card address. Which as I said above, my credit cards have my overseas address, and the paypal system won't take
them. So I thought no problem, I'll just email the friendly people at paypal and they'll clear this right up for me. After
about a week I finally get the following email from paypal: "You must have a valid U.S. address to transfer money from
your paypal account to you U.S. bank account. Move back to the U.S. lol :}"
Besides being totally unhelpful and rude this do-nothing moron at paypal was actually laughing at my situation. So it seems
paypal will gleefully accept money from a U.S. bank account, even if you don't have a U.S. address, but it won't transfer money
back to that bank account!
Anyway, so I thought no problem, this is just one nut case and I'll call paypal and get this whole thing cleared up. So I proceed to call, at international phone rates, and I'm immediately responded to by this computer asking me it's computer questions and taking
forever to finally get to the on-hold line. So I sit there about 15 minutes, counting the money I'm wasting on this call, and
suddenly I hear someone start to talk to me, then stop, and the phone line goes dead. So I thought no problem, I'll just call
again. But the exact same thing happened. And then a third time. It's almost as if because I said I have a U.S. paypal account to the computer that the phone operator recognizes that the call is coming from overseas and thinks it's some scam and just hangs
up on me.
So finally I thought, I have a problem. And I proceed to write several emails to several different departments of paypal and
tried to get the situation rectified. Some times the emails weren't even responded to and even when they were it was always
some pre-regurgitated pat answer that some low paid ape copied from the paypal service bible.
Does anyone have any suggestions where I go from here? Thanks

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i have had a verrified paypal account for about a year and in that time i have done alot of transactions , mostly as a seller, i have been using a paypal premier account with no problems until this christmas, i hadnt checked my emails for about a week over the holiday period and to my ammazment i had a chargback for 16.00 pounds sterling, i also did not recieve any emails from paypal telling me about this ,myt account was now limited to the extent that i couldnt even recieve money from other people!! therefore i opened another paypal account whilst the transactions from my bank account to my verrified paypal account was in process and due to the holidays this took ages about 14 days!! when i opened the other account i used all my correct details and even tried to use the same bank and credit cards ! i successfully opened the account as i had other payments due to come in,
I FIND IT VERY FU**ING SNEAKY THAT THEY THEN LIMITED THAT ACCOUNT AS SOON AS PAYMENTS WENT INTO THE ACCOUNT AND I HAD DESPATCHED THE GOODS!! I HAVE BEEN IN CONTACT WITH PAYPAL ON DAILY BASIS AND SENT NUMEROUS EMAILS AND PHONE CALLS , THEY MADE ME FAX PROOF OF DELIVERY TO 3 PEOPLE , FAX MY PASSPORT, FAX UTILITY BILLS , HAD TO MAKE THAT ACCOUNT VERRIFIED , then after all that they told me that they couldnt restore the account and i had to issue buyer refunds , take the mickey or what , my account is still limited and i will never use paypal again, i have recieved bad feedback because of paypal freezing MY MONEY , WHO THE HELL DO THEY THINK THEY ARE , A BUNCH OF JUMPED UP YANKY PRI*KS!!

BEWARE : NEVER USE PAYPAL , UVE BEEN WARNED , AND I NEVER DO FORUMS

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My PayPal account is now limited. The reason for the limited account is they claim I owe a seller money back for a returned item. Here's the email they sent me.

"The Seller has provided information to prove that they did not receive the
item back that was originally sent to you. At this time we requst that
payment be repaid back to the Seller or ship back the correct item.

Failure to comply with this request may result in a limitation being placed
on your account until this case is resolved."

This is total crap. I returned the correct item to the seller. I don't know how the seller could prove the wrong item was sent when the item does not have any kind of serial item.

UPDATE:
I got a new email from PayPal.

"We're sorry, but your account access limitation cannot be lifted at this
time. We need more information about your account before we can restore
full access to your account. Please complete the steps below so that we may
review your account further:

- You must refund the Seller, regarding Buyer Complaint Case:
XX-000-000-000."

There is no way I am "refunding" the seller. PayPal is allowing the seller to keep the product and the money!! Luckily, I put this purchase on a credit card. If PayPal gets their hands on my money, I will do a chargeback on my credit card.

UPDATE: I called PayPal and talked to a Manager. She said the seller filed a police report claiming they did not receive all the parts they sent to me. PayPal wants me to resolve the case with the seller by giving them their money back or contacting them and having them close the case. I told PayPal I would not be refunding the seller. And asked why they are granting a full refund if the seller says they received the product back but are missing parts? Shouldn't it be a partial refund? The managers only reply was that it's their policy. I also asked what PayPal would do if I didn't refund the seller. The manager said I would not be allowed to use PayPal. And I told the manager that was fine with me. The manager also said PayPal takes police reports very serious. I replied, well, I guess I should have filed a police report when I received a damaged item then I could have kept the item and got a refund!!

---

Well, this is holiday season. My friend was trying to make some quick money.
He has been selling on ebay for a while. Never accept Paypal, because of all paypal horrible stories.
This week, since so many people wanted to get their goods before X'mas, paypal became almost the only
way to pay and ship fast. So my friend opened a new paypal. Two days after opening, he verified his bank.
Then, the same day, he sold about 10 items on ebay. Just after the 1st payment (about $30) came to the
paypal account. He was limited!!! The rest of buyers could not pay him. Because they got this paypal
is not valid signal and could not pay him. He cannot change it. So he had to email everyone to request
a check or MO. You know, people got so angry, because he claimed that he would like to accpet paypal.

Most deals were cancelled. The 1st attempt to use paypal was not a happy experience at all!

I guess, paypal is really really bad now! They are so chicken! How much they can loss for only
payment only $30??? This is not the way to make money. But to make trouble! Enough Trouble!

---

A few months ago I got around to cleaning out my shed, I have a bunch of items and I thought I can sell these on E-Bay, so I set up the ebay account, nice and easy and I set up a paypal account, also very easy. I posted about 4 items and started selling. The items were purchased and money paid into paypal. I shipped the items when I went to transfer the money however I found my account locked and restricted. Upon following the link about this I was told I had to “Verify” my identity. They gave me no less than 8 items I had to post, mail, fax or do things with, these included faxing copies of my drivers license and ss card to them, receiving a mailed letter with a code that I had to type into the site to verify address, I even had to get a letter of good standing from my bank and send it to them. This was like a quest that took a couple of weeks to complete. Ok I thought at least they now know I am who I say I am, well after completing the last task I waited the 48 hours, then called them. I was then told that ok even though I had completed all the verifications to their satisfaction my account wil be closed and the money , about $1,500 by now, would be frozen for 180 days. I asked why ? well it was apparently to prevent fraud and ensure the customers had received their items. At this point I showed them the fact that all those customers had not only received the items but had posted positive feedback on my ebay account. Nope doesn’t matter they still kept it and its still stuck in there. I wonder how many millions of dollars they make with all these interest free loans that unsuspecting people are giving them for ½ a yar, on top of that how many people simply forget about the money ½ a year later?

I am pissed to hell

---

Here is how I was treated by PayPal:

September 2005 PayPal limits my account because a scammer on eBay complaints about two of my items he received from me. The buyer receives a full refund from PayPal

October 2005: PayPal rejects my appeal to release my locked account with 520 euro on it and tells me to wait for 180 days to get my money

November 2006: I receive an email from PayPal that my money is eligable for withdrawal. I log in and withdraw 520 euro (about $700). PayPal LOCKS my account AGAIN on "suspecious activity" (!!!!). The money transfer to my bank is calcelled.

December 2006: I contact PayPal and Im told I need to wait for ANOTHER 180 days to have my account reviewed.
While there were NO transactions for over 14 months now...

I'm speechless... all I wanted to do was sell a few of my items through eBay.

Result :

I lost all of my items, got scammed out of about 450 dollars and can not get the money for 3 other items from PayPal....

so far my experience with eBay and PayPal.

---

Here is my story..........

Exactly 33 days ago I opened a Paypal account. I put my credit card in and made 2 purchases. no problems. a few weeks later I add my bank account and put some items on Ebay. They all sell and I start recieving payments. I still have a personal account at this point. I upgrade to premiem account to accept the credit card payments. So I get paid for EVERY auction by the 15th. AFTER I recieved the FINAL payment I get limited and all the funds I tried to withdrawl are now back in my account.

My account has $237.83 even though I went through and withdrew it all. Paypal reversed the transaction.

this is the info they want:

Confirm
Enter Expanded Use Number for MasterCard Card XXXX-XXXX-XXXX-XXXX
Confirm Location for MasterCard Card XXXX-XXXX-XXXX-XXXX, XXXX XXXX rd, channahon, IL 60410, United States
Confirm your social security number
Update your phone number
Provide Business Information
Set your Credit Check Address

Some of this I guess I can kind of understand but some of this information is stupid.

So I decide this may take a while I will just have these people send the money to my brothers or mothers account. I goto refund and I CAN NOT send refunds because I am limited. I am starting to sweat. My brother says have your buyers file reports and then refund. Sounds like it would work. Nope STILL CAN NOT send a refund. Paypal has STOLEN this money. I can nOT do anything. I am forced to either leave my buyers high and dry which I am NOT willing to do or send them their stuff and loose out on all my money.

---

I Verified everything i could possibly verified b4 even using my paypal account. I sold 3 things & they limited my account saying i needed to verify identity. I am so mad! they told me to go threw like 8 steps...All of them are verified & completed ...recipts, shipping, tracking info, personal info down 2 the smallest thing. Then dey sent me a email saying they need more info...if dat aint the lamest excuse i ever heard. I contacted paypal's appeals dept. dey told me they need recipts from when i purchased items i sold on ebay. Used items that i've had for 2 years i might add. (who keeps old reciepts?) Is their any way 2 lift this limitation or to get around this? I hate paypal but i need my account 2 sale cuz every1 trusts paypal

---

Now i havent been scammed by them or anything but OMFG they are a pain in the ass to work with. First they dont have an option to just pay someone with a credit card instead of you paying with credit card and money in your account. I wanted to keep my money in my account and just pay with a credit card. Since there is no option to do that i had to ****ing set up a new account and send my money over to that one.

Well here comes the ****ing head ache...Now i find out i gotta put a credit card information in before i can even make an account? when did you do this paypal? **** you for doing it. So i took off the information off my main account because they dont let you put same credit card on two different accounts. And so i make the new account, send the money over get the money. I add the credit card back to my main and guess what. THEY HAVE TO VERIFY THE CREDIT CARD BY CHARGING 2$? **** OFF PAYPAL. Jesus christ now i gotta wait 3-4 days for that bull crap for something that could be at my house in 4 damn days. Not to mention that in my alternative account im gonna have to verify the credit card there to just to send my money ****ing back over after the deal is done. Jesus ****ing christ i hate these people.

btw they never even use to make you sign up with a credit card or verify ****ing credit cards how ****ing waste of time. Wish i could meet paypal CEO so i could punch him in the ****ing face

---

I own a well-established e-hosting company and this month I was away from my desktop for one month due to Christmas and when I returned yesterday, I discovered that my business PayPal account had well over $6,000 in balance from pervious month and this month, so I went to withdraw the funds and today, I received an email from PayPal stating that my account has been limited!

The worst part is that my account has been disabled to accept any incoming payments and they canceled all of our subscription signups and we had well over 300 users hosting their websites with us… and surly I can’t manage to host their sites due to the payment held situation, so I decided to refund their payment but I can’t! Now, I have to email my entire list of users manually to tell them to signup at my different merchant account and I’m 100% sure that 35% won’t… because they just don’t want to go through the trouble… and/or may decide on longer to host with us because of the change.

Please kill me! I was hardly making $3,000 per month and now I feel like giving up, since it took me over four years to set up that amount of users.

What sorts of methods are there to relax your brain? I am seriously losing it...

---

jumped through all of their hoops providing "proof of shipment". They then kept my account closed because of it being "linked to a negative balance account". Sent in the money order and finally had it restored only to have the same person who restored it call me back and say that I must start the process over again. One of the items they are requesting "proof of shipment" for has already been refunded. They advised me that I have to get it along with other orders placed during the 1 hour time frame in order to get my account re-establised. WTF?

---

Well, I'm amongst many of you.

Not bad enough the company I worked for, for 10 years downsized, and I was laid off. So while looking for employment, thought I'd EBay my belongings that were in good shape.

Had both my EBay and PayPal accounts for over 3 years. Granted very little activity. Mainly buying off Ebay. 100% positive on Ebay and no complaints, no disputes on PayPal.

Things were going good for a few months. Selling mainly little $3-$5 items, but it at least helped keep us above water. I would divide my day between job applications, resumes, interviews and listing on EBay. I was putting in over 10 hours a day between all that.

Started listing bigger/more expensive items, as I learned the Ebay ways (what seemed to work and what didn't). Had a couple of good sales. Was so releived that little more money was coming in.

I also had ordered the PayPal debit card when I started Ebaying. It was quick to arrive, and just used it to pay for small purchases (mainly at local drug store, quick trip to grocery). Nothing out of the ordinary.

Well, last Friday, I withdrew, from an ATM, a couple hundred dollars. Paid a few bills.

This past Monday evening I went to withdraw about $500.00 to do some Christmas shopping (all the while more money is being put into PayPal due to weekend sales). No can do. Frozen.

Suspious activity? Yeah, that's a good answer!! Because I finally start making money for them, they want to keep it, maybe??

Well, they have helped ruined my Christmas. I literally have no money for Christmas.

During that time, I've set up accounts with a few other places, but of course, being I'm new to them, I'll never get pay outs in time for shopping this weekend. Plus, so many consumers don't want to use other "pay" systems. So my sales have dropped drastically.

They have raked me over the coals, and thanks to them (I should had withdrew what money I had in there out on Friday, but thought all was well).

So, to those whose ranks I join-I wish I would had known about this site sooner, I would had known to not leave a dime in there and to PayPal and EBay-Thanks for making mine and my kids EXTRA SPECIAL this year, it's one we'll never forget, even though we will wish we could.

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PayPal froze my personal paypal account- and they have my name and social security number. They no longer want to do business with me. Problem is that I am a seller on eBay and I need a new PayPal account. Also I want to join the PayPal money market fund- which is why them having my social security number may be a problem- as otherwise I would just change my name.

Please help- as this is a nightmare for me and I need a PayPal account.

I understand that PayPal sucks- but they are very necessary in order to sell and buy on eBay.

Thank you

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Hello, I would like to start off by greeting everyone.

Well, i sold an item for 740.00 and shipped it out. I kept all my receipts and the item arrived. I look in my account two days later to realize that theres a temporary hold on the money from the item. So i'm afraid that the buyer was trying to fraud me and do a chargeback to get his money back and keep the item. I immediately call Paypal and they tell me that it could be on a temp hold because the item could have been paid for with fraudulent funds. I don't believe this and think the buyer is trying to fraud me. There isn't a dispute and the paypal account just says that the payment is "being reversed" which leads me to believe the buyer is trying to get his/her money back. And worst of all, i just realized that the address is unconfirmed... But i wanted to know if since there is no dispute that either party can respond to, is it true that the funds might have been paid for fraudulently or is the buyer just trying to rip me off. If the buyer was trying to rip me off would'nt there be an actual dispute i could respond to? Is there any way i can protect myself from getting frauded at this point... I'm very distraught

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Hi.On October 31st 2006 I sold various items to one guy for £600. I sent special delivery etc. Mid November, the guy reported me to paypal for non receipt. So I provided tracking. Then, on 2nd December, the claim expired and I won. Then paypal emailed me to say that the funds were unauthorised so took £600 off me. I've tried to opt for this seller protection policy, but can't apply due to the buyer not being confirmed or something daft. So now my account is limited and I'm on negative £600. What can I do? They want me to restore my balance by emailing them to give them permission to take funds from my account, or I can do a bank transfer. This is hardly fair as I'm going to be £600 out of pocket. What can I do?

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I purchased and then sold 5 PS3s on eBay. I required all buyers to pay with PayPal (HUGE mistake) and PayPal has limited my account. I've already deposited all the funds before my account was limited, so I am not out any money. I intended on closing my PayPal account after selling these items, but since my account is limited I can't do that. Somone on another post here mentioned filing a complaint at BBB.com to get the limit lifted. Has anyone here tried that? I'm interested in hearing a responce even if it didn't work. I've faxed PayPal the information they requested and as with many people here, my account is still limited, and probably will be for half a year. Reduculis.

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1. Customer ordered a product from me, I shipped using EMS. He filed a claim saying he never got it. I tracked it on EMS and he did get it. I submitted the EMS tracking number to paypal, and despite the fact that it worked and showed proper delivery, they took $700 from my account.

2. Customer ordered a product from me, received it, and then 3 WEEKS later filed a claim with paypal saying their $859 product was "damaged when it arrived". Customer didn't provide any damage claim info, did not return the product, admitted to still being in possesion of the product. Paypal froze incomming funds from other paying customers and refunded the buyer. I never received the product back, nor did anyone ever see any proof that it was ever even damaged.

3. Customer filed a dispute saying that merchandise was "not as described". Though paypal finally relented, my funds were frozen for several weeks, then onto almost a month and a half, disrupting incoming payments from other honest customers.

4. Customer ordered a product from me on a Saturday evening, and filed a "non-receipt of merchandise claim" two days later on Monday, after having dropped the boxes off at the post office. At this point I was so pissed that I drove back to the post office and retreived the packages. I reminded paypal that the post office was closed on Sunday, and therefor nothing gets shipped on a Sunday. In the dispute I told paypal that I had retreived the boxes and would not be sending anything to this customer, because basically he was being unreasonable and I did not want to deal with him any more. I told paypal to use the $560 that they had frozen in my account to just refund the customer. They dragged it out for an entire month before determining that I was guitly of not shipping his products and finally refunded him.

5. On multiple occasions buyers have claimed their product was "damaged during shipping", then refused to return the product to me for a refund, only to have paypal refund them using my funds anyway! Obviously they never return the product to me.

And these are just the recent ones that I can remember. I have over 950 transactions on Paypal. My website gets many sales per day and ranks well on search engines. There simply is no way to filter out which customers are going to be complete idiots and which are not. To date I have probably lost about $6000-$7000 in merchandise because of paypal, and around $5000 in cash from expensive items I sold, and then had the customer say "It was damaged when I got it", then paypal refunded them and I never saw my product again.

In the ultimate irony, when I was finally ripped off by someone on ebay, someome who sold me a set of $600 tires and then dissapeared off the face of the earth with my hard earned money, paypal was "Very sorry that they were unable to recover the funds" for me.

Merchant account, here I come!

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Hello,

I do not really post on here but I think this is right..

I got this, I sold an Item on Ebay and then I get a letter saying this

Dear Nick Cocchiarella,

Thank you for contacting PayPal with your concern.

We have reviewed your account and it shows that only £5.33 GBP has been
refunded to ********************************

If the refund was provided to the buyer outside of please supply all
documentation proving that the buyer received the refund.

Once we receive this information, we will be able to further review your
account limitation.

It is my pleasure to assist you. Thank you for choosing PayPal.

Sincerely,
Sylwia

Protection Services Department
PayPal, an eBay Company

Copyright © 1999-2006 PayPal. All rights reserved. PayPal (Europe) Ltd.
is authorised and regulated by the Financial Services Authority in the
United Kingdom as an electronic money institution. PayPal FSA Register
Number: 226056

at this time I am thinking WTF

Then I get this, I lostsome of the emails...

I sent a refund bk to this guy. He sends it back no propblem.. unforunly I don't know that he didn't cansal the PayPal clam
Then paypal start taking £5 away from my bank and put it on limeted access..In about 2days I need to pay for bills... and if my access doesn't get resorced then I don't know what to do..


Please help

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On 28 November 2006, Paypal sent a notification of Instant payment in the amount of $174.30 for some gold coins sold on EBay. Acting on this I sent the coins next day by FedEx. The coins were delivered. I waited and waited for thye transaction to show on my balance. Finally, I began trying to contact someone at PayPal to starighten out their mistake. PayPal claims the message A. Was never sent B., if it was it was a spoof e-mail. However when you view message source it was very clearly sent by Payments@payPal.com. After numerous e-mails, PayPal answered by closing my account. In the process, they stole $35.00 already credited to my balance and the $174.30 instant payment. Since yoiu cannot communicate with PayPal except through the message system they control and manage, they effectively settled my claim and in the process stole $209.30. Hooray for Pay Pal, they make money the old fashioned way: THEY STEAL IT. UPDATE_UPDATE--- After "talking" with PayPal until I was blue in the face, I filed a complaint with BBB, today I received most of my money (-$33), but what the hell most is better than none. Go BBB.

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About 6 months ago, paypal closed my account telling me that some account linked to my account has negative balance and i have to solve this problem.

6 MONTHS AGO I TOLD THEM, AND I EVEN TELLING THEM NOW, THAT THE PERSON WHO IS LINKED TO MY ACCOUNT, IM NOT IN GOD DAMN CONTACT WITH HIM ANYMORE. I DONT KNOW WHERE HE LIVES, WHAT HE DOES.
THIS IS THE BEST PART: I EVEN TOLD THEM THAT I WILL PAY WHATEVER THAT NEGATIVE BALANCE IS, ONCE THEY OPEN MY ACCOUNT. BUT THOSE STUPID MOTHER****ING ****SUCKERS ANSWER ME WITH THE SAME E-MAIL EVERYTIME.

And tonight they answered with the same email, and i lost it. I broke whatever is around me my room is mess and my hands are bleeding.

Do you guys have any ideas about what i should do with this STUPID ASS MOTHER****ING THING?

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