PAYPAL what a disgraceful company

[Rat]

They closed my account after 15yrs and will not tell me why. I even phoned them and I get the same useless answer from the person on the phone that I breached the User Agreement. Will not tell me how or why. I keep getting the run around and after many hours always get the same answer you breached the User Agreement.
You would think they would tell a customer why so one could learn by their mistakes right. No not PayPal no common sense with these guys.
After doing a google search looks like I am not the only one frustrated by having there account permanently limited (closed) for no known reason.

I have had this account for over 15yrs and now they just closed it. All they could tell me after speaking with a person was I was inconsistent with the user agreement and could no longer use PayPal services. What a way to run a business not telling people why.
I cannot work out what I did as I have not done anything different than I have over the last 15yrs.
The only thing I can think of is I have been doing more selling than buying and more payments sent by the Friends and family option maybe they do not like it as they don't make as much money from it.

Anybody got any good alternatives ? I would prefer not to use them anymore if this is how they treat us.

thx
Will

 

[jtr1962]

I can't help you with alternatives to Paypal but I'll advise you to steer clear of Zelle. Chase offers it. I tried it once to send my sister some money and they locked my accounts. I had to go to the local branch to get them unlocked. Never told me the reason. They might not have even known. It seems algorithms often flag accounts but don't make the reasons known to the humans who work there. Sounds like that may have happened with you.

It is pretty disgusting they can't even tell you why they closed your account.

 

[Chauncey Gardiner]

They closed my account after 15yrs and will not tell me why. I even phoned them and I get the same useless answer from the person on the phone that I breached the User Agreement. Will not tell me how or why. I keep getting the run around and after many hours always get the same answer you breached the User Agreement.
You would think they would tell a customer why so one could learn by their mistakes right. No not PayPal no common sense with these guys.
After doing a google search looks like I am not the only one frustrated by having there account permanently limited (closed) for no known reason.

I have had this account for over 15yrs and now they just closed it. All they could tell me after speaking with a person was I was inconsistent with the user agreement and could no longer use PayPal services. What a way to run a business not telling people why.
I cannot work out what I did as I have not done anything different than I have over the last 15yrs.
The only thing I can think of is I have been doing more selling than buying and more payments sent by the Friends and family option maybe they do not like it as they don't make as much money from it.

Anybody got any good alternatives ? I would prefer not to use them anymore if this is how they treat us.

thx
Will

https://www.paypal.com/us/legalhub/useragreement-full#accepting-payments
If you use your PayPal account to receive payments for the sale of goods or services or to receive donations, you must:

• Pay any applicable fees for receiving the funds.
• Not ask your buyer to send you money as a personal transaction (often referred to as using the "send money to a friend or family member" feature). If you do so, PayPal may remove your PayPal account's ability to accept payments from friends or family members.

 

[bykfixer]

Limited and closed are two different animals. It's kinda like when nearly everyone selling at eBay was using photobucket for $0 and photobucket said "hold on folks, we've got bills to pay so help us out" and nobody helped out the big crackdown happened.

Used to be folks used goods and services in order to have some buyer and seller protections. Paypal made a little money on the deal and did allow Aunty Jane to send little Johnny $100 at Christmas using friends and family. When it became obvious people were making profit using paypal and scooting around the fee by using friends and family paypal took action.

I see it all the time now, people selling online telling the buyer to choose friends and family so that they can get around the fee.

 

[kerneldrop]

I would prefer not to use them anymore if this is how they treat us.

PayPal said the same thing

 

[Rat]

Chanuncey:
Looks like I now know why hey helps if I could be bothered to read the terms . As my post above it was the only thing I could think of but did not know it was not aloud as so many people have asked me to do the same in the past. I wonder why they could not just tell me that. I suppose they cannot prove I was not receiving money from friends so it might be a legal thing. Well we are all friends here on CPF anyway hey

I still hate them they give a ridiculously low exchange rate they must make a killing on that alone.

Anybody use Wise as an alternative?

Wise sounds great real exchange rates sounds good just not sure how widely used it is.

Looks like we are all relying to heavily on one payment option anyway they have us by the balls cannot be a good thing.

 

[desert.snake]

They did not establish criteria for "friends", that is, the length of time they met in years, the amount of time spent together, or any other criteria. Maybe I make friends very easily?)) Like when you were a kid, you go up to a guy and say, let's be friends? and that's it, you're friends now. If they demanded to show photos of documents confirming kinship and to give testimony of at least 8 people, half of whom are relatives, certified by a lawyer that such and such a person is my friend, it may have stopped the practice, but closing an account without any clear reason sucks

 

[Rat]

PayPal said the same thing

They sure did. Shame they could not send an email notifying me or give me a warning that I was doing something wrong but I spouse those days are gone their is no service or care given anymore from these big corporations. After all they even have us checking out and packing our own groceries' these days we now do the work for them as they give us less service and make billions in profits.

 

[knucklegary]

Zelle is owned by a few US Banking systems. They do not require reporting sales over $600 or filing 1099 forms. No fees, but they do not allow credit card money transfers to F&F

Not owned by PP.. Also, Not an option for International transfers Only for US based customers

 

[KITROBASKIN]

I agree with fixer.

This coy thing about defining what a friend is… well a transaction is a transaction. Gifts and family arrangements are pretty straightforward, and a perk PayPal offered to boost business with goodwill?

The entitled culture we have now somehow thinks PayPal should provide their service for free… I am guilty of skirting YouTube's commercials for the most part.

Thinking if PayPal describes succinctly the breach then maybe that opens them up to ongoing argument that wastes PayPal's time and perhaps opens them to possible litigation if one of their reps makes a mistake?

Not trying to say PayPal is even close to perfect but it is handy.

Wasn't it initially created to discreetly pay to view pornography?

 

[Chauncey Gardiner]

They did not establish criteria for "friends", that is, the length of time they met in years, the amount of time spent together, or any other criteria. Maybe I make friends very easily?)) Like when you were a kid, you go up to a guy and say, let's be friends? and that's it, you're friends now. If they demanded to show photos of documents confirming kinship and to give testimony of at least 8 people, half of whom are relatives, certified by a lawyer that such and such a person is my friend, it may have stopped the practice, but closing an account without any clear reason sucks

Regardless of how long someone has been a friend, you're not supposed to declare the transaction as giving them money when you've sold them goods or services.

"Hey Buddy, how bout you just give me that flashlight and I'll just give you some money?" WINK 😉 WINK😉 "After all, we're all "friends" here on CPF.

Full disclosure: I participated in such fraud as described above. I stopped when I became aware of PayPal's terms of service.

 

[bykfixer]

I used to absorb the fee when I had transactions with them. Sometimes on the buying end the seller who I bought from absorbed the cost. Sometimes not.

I broke ties with paypal when they openly declared they could halt service if they didn't like your stance on certain issues. Broke ties with shopify for the same reason. I told 'em both "it aint none of your dam business if I like peanut butter on my bacon or if I voted for Tim Buk Too for dog catcher, good bye".

 

[DRW]

Wasn't it initially created to discreetly pay to view pornography?

Wasn't Elon Musk the first CEO?

I remember it was part of eBay and then spun off on it's own.

PayPal has been an integral part of my business for decades.

People who use friends and family for selling items are thieves. There isn't a gray line.

 

[KITROBASKIN]

I like to get paid when I provide a service (disclosure: I have never been involved in the oldest profession).

 

[thermal guy]

Wasn't Elon Musk the first CEO?

I remember it was part of eBay and then spun off on it's own.

PayPal has been an integral part of my business for decades.

People who use friends and family for selling items are thieves. There isn't a gray line.

Yes In fact I remember years ago on here that if you were selling something here and put FF the moderators would jump all over you and make you change it.

 

[bykfixer]

Yes In fact I remember years ago on here that if you were selling something here and put FF the moderators would jump all over you and make you change it.

Exactly. Not because fee or not but because buyer/seller protection. You could file a claim and paypal would handle it from there. F&F you were on your own. (and likely still are.)

 

[Chauncey Gardiner]

Exactly. Not because fee or not but because buyer/seller protection. You could file a claim and paypal would handle it from there. F&F you were on your own. (and likely still are.)

Well, not exactly. The Boss Lady had a strict policy concerning soliciting blatant fraud. She also stated whatever transpired in private was private. CPF was NOT in the business of enforcing PP policy.

 

[bykfixer]

Well, not exactly. The Boss Lady had a strict policy concerning blatant fraud. She also stated whatever transpired in private was private. CPF was NOT in the business of enforcing PP policy.

Agreed, but tg was correct when he mentioned how the staff used to fuss about using F&F. Followed by "you're on your own".

 

[Chauncey Gardiner]

Agreed, but tg was correct when he mentioned how the staff used to fuss about using F&F. Followed by "you're on your own".

Yep! There was a request to change the listing. If not, it was deleted.

 

[Rat]

The entitled culture we have now somehow thinks PayPal should provide their service for free… I am guilty of skirting YouTube's commercials for the most part.

PayPal provides a service for free stop dreaming what a joke please get off your high horse they offer nothing for free they still make money from FF the sender pays a smaller fee, and they make a killing in their low exchange rate and then they hold your money for three days unless you pay a fee.

Trust me PayPal has made plenty from my account over the last 15 years it would have been 99.9% purchasing it was only recently I started selling off some lights.

Still believe there should be some warning for people who do not know they are doing something wrong or that you cannot use a service they provide FF in that way and give them a chance to stop or be banned. Even a review board of some type would be a good idea well they say they have a review option but you go around in circles.


later