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PayPal Improper billing, closure of wrong account, poor customer service San Jose California
About a month ago, I received a letter from PayPal stating that someone attempted to open up an account in my name, When I called to speak to someone at PayPal, they stated that someone attempted to open a second account in my name, applied for a PayPal line of credit (I already have one), and they turned it down because they could not authenticate my identity. Specifically, I have credit freezes on my bureaus which doesn't allow for an underwriter to open a new line of credit in a consumer's name. After talking to several representatives, they stated they would close the fraudulent account opened in my name and flagged the PayPal credit application as identity theft.
A few weeks later, I attempted to make a purchase on my PayPal line of credit through eBay, a purchase of about $100. They denied the purchase which confused me. A few days later, I received a letter in the mail stating they needed to authenticate my identity. So I called them, verified all the needed information, and the representative stated I would receive a letter in the mail in a few days regarding the account. During the conversation, I told him this account had nothing to do with the other account that someone had attempted to open in my name, and I was confused as to why I was being put through this process again. When I received the letter, they stated they closed the account due to fraudulent activity which is bogus. No fraudulent activity has ever occurred on this account; rather, it was only on the second account someone else attempted to open in my name. Moreover, I believe PayPal really closed the account because I had also reported them for improper billing, specifically charging me more on eBay purchases than what was advertised. They have stated they were shipping charges, but this is incorrect and a blatant lie. I have records from eBay showing there were no shipping charges on these purchases. eBay always itemizes shipping charges when the seller charges for them.
Because it is impossible to get account resolution through PayPal's customer service, I contacted the company through Facebook's social media messaging about the ongoing problems. I told the representative, Adrian, how dissatisfied I was with PayPal and that I was considering reporting the company to the Attorney General's office, the Consumer Financial Protection Bureau, and the BBB. I also stated I would not use my PayPal account in the future, even though only the line of credit had been closed, because I was so dissatisfied with their service. Adrian's response was flippant; he advised me to go ahead and report them, an extremely poor response to a major customer service issue. In addition, the company has recently disabled the ability to make comments on their Facebook page, whether it is a general comment or comments on one of their posts. I would assume they have done this because tons of people had lodged complaints on their page, making them look really bad or possibly setting them up for a class action lawsuit.
Besides filing a Rip Off report, I have also reported this to the Consumer Financial Protection Bureau, the Attorney General of California, the Attorney General of Kansas, the FTC, and the BBB. If anyone who reads this post has similar problems with PayPal, I'd suggest that you also file your own reports.
1 Updates & Rebuttals
Paypal, Attorney General of California, BBB, Consumer Financial Protection Bureau
#2Author of original report
Thu, July 16, 2015
Since my original report, I attempted to contact PayPal again through another social media site on Facebook. Specifically, PayPal credit. Again, they told me to message them about my problem, but before I could do so, they blocked me from posting comments on this page as well which disabled messaging them. Obviously, PayPal is scared that my complaint will generate complaints from other consumers, probably because I mentioned the Attorney General, the BBB, and the Consumer Financial Protection Bureau, so they decided to block me to prevent me from alerting other customers to the problem which might in turn cause them to file their own reports. But since other customers are having similar problems, and they haven't removed everyones posts, it is fairly easy to contact the people directly through messaging. I would strongly suggest that you file your own reports if you are having problems with them.