Paypal truely SUCKS...

BlowFish

Pinoy D-Player
Silver Member
I've been a Paypal user since 2005 and have never had a problem with them. I've use this service for it's convenience. I've heard lots of bad stories here and there, but now it happened to me, I feel for others frustration.

I'm a Verified Premium User. I've been making payments in amounts even higher than the $2,100 I was trying to pay.

I have to make 3 small payments in a span of 3 days just to make the amount needed. It really sucks and no amount of complaining made Paypal solve the problem. Paypal's resolution was to offer me excuses upon excuses but no real help for my issue.

In the future, I'll avoid using Paypal as much as possible.
 

markpatrick

Cardinals
Silver Member
$700 limit? When did that start?

I've been a Paypal user since 2005 and have never had a problem with them. I've use this service for it's convenience. I've heard lots of bad stories here and there, but now it happened to me, I feel for others frustration.

I'm a Verified Premium User. I've been making payments in amounts even higher than the $2,100 I was trying to pay.

I have to make 3 small payments in a span of 3 days just to make the amount needed. It really sucks and no amount of complaining made Paypal solve the problem. Paypal's resolution was to offer me excuses upon excuses but no real help for my issue.

In the future, I'll avoid using Paypal as much as possible.

In 2006 I paid $2400 for 6 world series tickets with one transaction?
Have they tightened up that much?
 

BlowFish

Pinoy D-Player
Silver Member
I have no idea as I have not gotten a straight answer to what my issue is. I'm not holding my breath either.
 

mamono

AzB Gold Member
Gold Member
Silver Member
I made a $2k payment in November without a hitch, haven't had a problem with paypal except when trying to make a claim at 48 days which is 3 days after their claim deadline for refund requests. Been using Paypal since they 1st started.
 

smokeandapancak

what?
Silver Member
So you have used the service for 5 years straight with no issues and one problem will lead to boycott the whole thing...?
 

sheffield6

AzB Silver Member
Silver Member
So you have used the service for 5 years straight with no issues and one problem will lead to boycott the whole thing...?

Well, one problem is enough to tarnish your reputation, especially when the deal is International, as a lot of people are wary of scams ( rightly so).
But the main problem is not being able to speak to any one in authority, to quickly resolve the situation, and the incredible frustration that this causes to genuine traders.
 

BlowFish

Pinoy D-Player
Silver Member
I was given the runaround and no straight forward answer. I solved my own issue by making small payments in a span of days. Instead of helping me, I was given various excuses and possible issues to my dilemma.

I'm a support person(help-desk) and help people sort out millions of dollars in FX Transactions daily. I know what the issues are when transactions fail.

---------

Dear <Mr. MyName>,

Hello, my name is Jane. I will be happy to assist you with your question
regarding your PayPal account.

I understand you want to know why you could not use your credit card to
make a payment at this moment.

Upon checking your account, we found that you tried to pay $x,xxx.00 USD to <email here> several times, but all of them failed.

Now please let me explain the reasons to you.

To ensure the integrity of our network, PayPal may take security
measures, which may affect some accounts in good standing. We regret any inconvenience may have caused.

PayPal employs complex statistical models to identify patterns of
behavior. This is similar to the way banks and credit card companies
identify patterns of behavior those are abnormal when verifying
individual transactions. When our system rejects a certain funding
source for a transaction, it is merely an indication that the individual
transaction fits a pattern may cause a high risk of failure.

If your transaction has been denied, you may be able to complete the
transaction with another funding source such as U.S. bank account or
PayPal balance.

In addition, I would like to recommend you not to pay at this time.
Please take another try after 3 to 4 days with your credit card.

You may contact your seller and explain the reason why you can not pay
him now. Hope he can understand your situation and let you pay him at a
later time. If you need make this payment urgently, you can choose
another funding method.

I sincerely apologize for the inconvenience and appreciate your
understanding. Please feel free to say if you need further assistance.

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

Sincerely,
Jane
PayPal, an eBay Company
 

BlowFish

Pinoy D-Player
Silver Member
2nd email...
--------
Dear <Mr. MyName>,

Hello, my name is Zita. I will be happy to assist you with your question
regarding your PayPal account.

I totally understand you want to make this payment urgently.

Upon reviewing the previous emails we sent to you, may be you have known the reason why you can not use your credit card to make the payments recently. This is controlled by the security system; we can not change it manually. If we can help you get through, we would do it for you at the first time when you contact us and do not waste your time.

One of the benefits of using PayPal is that we make every effort to
alert you to potentially problematic transactions. Our goal is to help
you make sound business decisions. We regret any inconvenience this
situation has caused you.

Since I found you tried to pay for many times and all of them were
failed, may be you can not get through in a short time. We suggest you
use this credit card to pay after 3 or 4 days.

You may contact your seller and explain the reason why you can not pay
him now. Hope he can understand your situation and let you pay him at a
later time. If you need make this payment urgently, you can choose
another funding method. You may use your HK bank to top up so that you
can use your balance to make payments to avoid this security system.

We have realized the trouble caused to you and we are sorry again for
that. If you need any other further assistance, please do not hesitate
to contact us.

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

Sincerely,
Zita
PayPal, an eBay Company
 

BlowFish

Pinoy D-Player
Silver Member
3rd email...
--------
Dear <Mr. MyName>,

Thank you for contacting PayPal. This is Daisy. I am sorry to hear about
this situation, and understand your frustration.

We are so sorry for this message which confused you. The message should be a system issue. We will fix it as soon as possible.

After checking your PayPal account, we found that your PayPal account
has been verified, so there is no sending limit for you to send money,
please ignore this message. I find that you have tried to pay $x,xxx.00
USD for several times, but all of them failed.

As the former agent said to you, your payment can not get through, That
is because it is denied by our security system, there is nothing to do
with your sending limit. So I suggest you to send this payment a few
days later. But we can not guarantee the system can allow it, because it
is a random investigation controlled by system instead of us.

I really would like to help you, but it is taken by the system
automatically, I have no access to help you change it manually.

You may also use the top-up function then make payment by PayPal
balance.

To top up your PayPal balance, please follow the instructions below:

-Log in to your account at https://www.paypal.com/.
-Click Top Up.
-Review the information and click Print transfer information.
-Go to your bank and initiate the transfer using the information you
have printed out.
It may take a few days for the funds to post to your PayPal balance. You
will receive an email notification once the transaction is complete.

If you need any other further assistance, please do not hesitate to
contact us.

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

Have a nice day and Happy New Year!

Sincerely,
Daisy
PayPal, an eBay Company
 
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BlowFish

Pinoy D-Player
Silver Member
4th email...
--------
Dear <Mr. MyName>,

Thank you for taking the time to contact us with your concerns. I am
happy to assist you further.

Firstly, we sincerely apologize for the inconvenience brought to you in
your purchasing with PayPal.

PayPal needs put security on the first place and rarely we have to
sacrifice convenience a bit, which is also the specialty we compared
with other online payment processor. We totally understand that it might
be very annoying sometimes but it is also the reason that millions of
users choose PayPal.

As we have explained, PayPal will review every transaction before it is
approved. And all the aspects of the transaction including account
status of buyer and seller, credit card status, etc will be considered.
The system will combine all these information and compared with our
statistic model to ensure the safety of online business. And we believe
the transaction denied by our system will involve higher-than-normal
risk. Moreover, different transactions doubtlessly contain different
information (even payment to the same seller), and this is why they have
different result.

Of course, this does not mean either of you or your seller's account is
risky or something likes that. It is just say this transaction might
bring loss to you and your seller. Since every information is processed,
weight and reviewed, we can not tell you that it is one or two
indicators hit our security measure. (And to be honest we can not
disclose any internal decision pattern even if we had details about
that.)

According to our experience, the payment you are going to send is not a
large amount payment. So what we suggest is to just wait for 2 or 3 days
to try this payment. If you need make this payment urgently, you can
choose another funding method.

Anyway, we have realized the trouble caused to you and we are sorry
again for that.

We appreciate your patience and understanding regarding this matter, and wish you continued success on PayPal.

Sincerely,
Zita
PayPal, an eBay Company
 

BlowFish

Pinoy D-Player
Silver Member
5th email...
--------
Dear <Mr. MyName>,

Hello, my name is Jane.Thank you for taking the time to contact us with
your concerns. I am happy to assist you further.

Firstly, we sincerely apologize for the inconvenience brought to you in
your purchasing with PayPal.

We checked your account again and confirm that your account and your
credit cards are both in good standing now.

On the other side, PayPal always put security on the first place and
rarely we have to sacrifice convenience a bit, which is also the
specialty we compared with other online payment processor. We totally
understand that it might be very annoying sometimes but it is also the
reason that millions of users choose PayPal.

As our agents have explained, PayPal will review every transaction
before it is approved. And all the aspects of the transaction including
account status of buyer and seller, credit card status, etc will be
considered. The system will combine all these information and compared
with our statistic model to ensure the safety of online business. And we
believe the transaction denied by our system will involve
higher-than-normal risk. Moreover, different transactions doubtlessly
contain different information (even payment to the same seller), and
this is why they have different result.

Of course, this does not mean either of you or your seller's account is
risky or something likes that. It is just say this transaction might
bring loss to you and your seller. Since every information is processed,
weight and reviewed, we can not tell you that it is one or two
indicators hit our security measure. (And to be honest we can not
disclose any internal decision pattern even if we had details about
that.)

According to our experience, the payment you are going to send is not a
large amount payment. So what we suggest is to just wait for 2 or 3 days
to try this payment. But I am sorry, I can not guarantee. During this
time, please stop keeping on trying.

I sincerely apologize for the inconvenience and appreciate your
understanding. Please feel free to say if you need further assistance.

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

Sincerely,
Jane
PayPal, an eBay Company
 

JCIN

TheActionReport.com
Gold Member
Sounds like Skynet is running PayPal.

Soon it will become self aware and we are all screwed.

The machines will rise.
 

Fastolfe

AzB Silver Member
Silver Member
Paypal (pre-eBay purchase) stole $300 from me in 2001. They closed my account, no reasons given, no answers to emails, etc... Since then, as far as I'm concerned, they can rot in hell.

The truth is, although they do their best to deny it, they're a bank, but they're not FDIC-insured. They do what the hell they want with your money and as long as everything is alright, it's great. But if you, the customer, is not happy, and they don't want to make things right, well tough titty for you.
 

12310bch

AzB Silver Member
Silver Member
I dunno.

actually I think you should suck it up and look on the positive side. Something about the transaction raised a red flag. They slowed things
down. Ultimately it got done in a completely secure way. It will probably never happen to you again. I , for one, am happy you brought this to light as I now know that Paypal is really on their toes about security. Of course it was not my ox being gored but if I were you I would continue with Paypal knowing that they are serious about security.
 

JE54

Gotta get a new dentist.
Silver Member
I've seen a few other posts concerning paypal. I still use them but everytime I do I wonder if there is going to be a problem.
 

BlowFish

Pinoy D-Player
Silver Member
actually I think you should suck it up and look on the positive side. Something about the transaction raised a red flag. They slowed things
down. Ultimately it got done in a completely secure way. It will probably never happen to you again. I , for one, am happy you brought this to light as I now know that Paypal is really on their toes about security. Of course it was not my ox being gored but if I were you I would continue with Paypal knowing that they are serious about security.

After all the confirmation(emails and calls) and telling them it's a legit transaction and all then still get the same sh!t, I will avoid them.

BTW, I was paying for a cue to a cuemaker.
 

BHQ

we'll miss you
Silver Member
paypal is great when all goes smooth
but heaven help you if a problem arises
they are the worst fkn people to deal with
customer service is pathetic
i've got a problem from two years ago that still has not been resolved
even if you happen to get lucky enough to speak with someone that speaks english, all they do is read a pre-written script of explanations off to you
oh, and that is after being on hold for an hour
 
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