posted on May 11, 2011 09:22:18 AM new
I have a 3rd ID with a separate paypal account. Yesterday I got an email telling me that all my payments would be held 21 days until farther notice.
I called and spoke with CS. I was told they could not tell me the exact reason but he gave me a long list of possible reasons. NONE of them fit.
I've had the account to a few years, never had a charge back, DSR's are 5,5,5,4.9 - 100% FB. I don't sell risky items. I should be a TRS on this account soon. I'm already a TRS on my other 2 account.
He told me the only way to know for sure was to send them a subpoena??
The only thing I can think of is I had 4 items started for $49.99 each which ended up selling from $150 to $240 each (to my surprise). So what wrong with that?
Hard to believe they can hold your money and not even have to give you a reason!!!
[ edited by ebabestreasures2011 on May 11, 2011 09:23 AM ]
posted on May 11, 2011 09:48:10 AM new
When we sign up for Paypal,we agree to let them run credit reports on us.
They dont usually bother with individual sellers,they keep an eye on retailers or ex retailers who have defaulted on their past merchant accounts.
Also we are not allowed to have more than one Paypal account or we are allowed to have one personal account and one premier /business account.
But I think if you have a legit business,you can have a business account under the business name,inaddition to the personal account and a premier account under your name!
Someone else who is more familiar with Paypal rules may want to shed some light on these rules !
*
There is no 'Global savings glut',only wild horses and loose bankers.
posted on May 11, 2011 10:00:13 AM new
Is there such a thing as PAYPAL SELLING LIMIT?
I read on another site this could be one of the reasons why an account is limited,may be they add up all three of your accounts and find out you have exceeded the selling limit.
*
There is no 'Global savings glut',only wild horses and loose bankers.
posted on May 11, 2011 10:06:21 AM new
I have excellent credit.
I've never defaulted on anything!!
If you can't have 2 accounts why would they let you open 2 accounts???
My sells on my main ID were lower this past month so it should have balanced out.
Besides why can't they just tell you why they are doing this? If you've made a mistake - how can you correct it if you don't know what it was? It's just like the stupid DSR's only this really makes it hard to keep working when you aren't getting paid.
posted on May 11, 2011 10:10:24 AM new
If you can't have 2 accounts why would they let you open 2 accounts???
//////////////////////////////////
This is like asking if it is a crime to kill someone,why didn they prevent me from doing so in the first place?
Or if eating too many candies are bad for your teeth,why do they grow so many cocoa plants?
*
There is no 'Global savings glut',only wild horses and loose bankers.
posted on May 11, 2011 10:27:34 AM new
hope this helps!
Why PayPal freezes (aka limits, aka restricts) user accounts and how to get it unfrozen (aka unlimited, aka unrestricted).
Knowing why PayPal froze your account has a lot to do with how to get it unfrozen.
Based on others stories and experiences, here are some possible reasons:
you have more than one PayPal account, or PayPal thinks you have more than one PayPal account.
you clicked on a link in an email that you thought was from PayPal, but it really was a phishing scam.
you moved into a house or apartment that used to be occupied by a con artist who used PayPal to steal.
you got a new phone number, one used by a con artist who used PayPal to steal.
you use an ISP that assigned you an IP that was used by a con artist who used PayPal to steal.
you paid someone, like a con artist who used PayPal to steal.
someone paid you, like a con artist who used PayPal to steal.
your name and/or address is similar to a con artist who used PayPal to steal.
you sold something to someone who questioned it's authenticity.
you bought something from someone who had someone else question the integrity of what they sold to you.
you registered a bank account or credit card that someone else used one time.
you accessed PayPal at a friends house one time, and that friends account was frozen.
your friend used your computer to access their PayPal account, which was later frozen.
you sold an item that is a common item often sold by con artists who used PayPal to steal
you bought an item that is a common item often sold by con artists who use PayPal to steal
you accessed PayPal via an anonymous proxy service.
you sent more than $2000 to someone.
you received more than $2000 from someone.
you participated (knowingly, or unknowingly) in the "work at home" money shuffling scam.
you sent money to someone in foreign country that PayPal considers "evil."
you received money from someone in a foreign country that PayPal considers "evil."
you used your PayPal ATM card in a foreign country that PayPal considers "evil."
your account was "corrupted" by a criminal posing as a PayPal employee.
and other reasons that only the dark wizard of PayPal knows about.
Welcome to the world of PayPal customer service.
Paypal froze my account. How do I get my money back?
The key to the solution is knowing which one of the reasons above caused the account to be frozen in the first place. If they are accusing you of being someone else, you need to convince PayPal you are not. Most likely, PayPal is not going to believe anything you say. And if you admit to knowing the person they have linked to your account, it seems that makes the problem worse. It could be a legitimate error on PayPal's part. Like your phone number or address are the same ones used previously by someone else. Someone who had a problem with PayPal. So you might try showing PayPal that their information is old and outdated. If on the other hand, they are linking accounts based on ISP or IP, you'll have to prove to them when you got your ISP and that it's not at the same time as when the other person allegedly used it.
Your account could also be linked based on who you paid and who paid you. This will probably be impossible to resolve. If you made more than one payment or received more than one payment from an account PayPal has determined is fraudulent, the game is pretty much over. The only recourse I see is challenging the assessment made on the other account. You'd have to work with that other party to prove to PayPal that they are wrong in their determination. Hire lawyer. Spend money. Roll the dice.
It could also be you used a friends computer or they used yours. This is going to be very difficult. Or it could be any of the other reasons listed above. I would suggest you write a letter to the attorney general of Nebraska, California and your state. Tell them what happened, just like it happened. Ask that they investigate. Get their information on the Links Page. You might also hire a local attorney to write a letter on your behalf. Our experience is that PayPal completely ignores user complaints, phone calls, faxes, & email, but does respond to government investigators and private lawyers. From a user in the UK: People living in the UK can complain to the BBCs consumer watchdog program, or the FSA or the FSO or you can write to: The Office of the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR.
They froze my account and demanded that I fax them documentation. I did, but they said they didn't get it. Now what?
First realize PayPal is asking for that information for their own purposes, not yours. Providing the information might get your account unfrozen if it's one of the "identity" issues above. However giving PayPal that information also provides them with information they could use against you if they don't believe you. If you believe this is just an honest misunderstanding, and you trust PayPal with your information, you should prepare copies of all the documents they ask for and mail them to PayPal. We suggest you create two sets of documents and mail them certified mail, Return Receipt Requested, to the two addresses we have for PayPal (see the FAQs page) with a letter explaining the situation. You should always send them certified mail, RRR, so you can prove that you did, and when you did it. When you get your green cards back in the mail, if PayPal has not resolved the problem, make copies, and write your letter to the Attorneys General of your state, California and Nebraska. (You can find this info on the links page.) Include your letter to PayPal, your copies of the green cards and a letter asking that the AG's start an investigation. Don't bother playing the fax game. It's just a ploy/delay tactic.
Additionally, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, California 95814, or by telephone at (800) 952-5210.
According to the terms of the class action lawsuit settlement agreement, PayPal is supposed to provide you with the reason your account was frozen, and the information they have (subject to their privacy policy and fraud prevention policy). You should ask for this information if they don't give it. It may tell you what direction you need to go to resolve the problem.
Also, note that just because you get your account cleared up this time, there is nothing to prevent PayPal from freezing it again. It seems, once an account is flagged, it'll always be on the "suspect" list. They rely a lot on computer analysis of accounts and too little on common sense.
Lastly, I have to say... PayPal is not crack. You can walk away from it anytime. I hope you'd step back and think about it, why would you want to do business with a company that puts you through all this in the first place?
PAYPAL IS HORRIBLE. CLICK HERE FOR OUR PAYPAL ALTERNATIVE
Credit Card Processing Alternatives To Paypal
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There is no 'Global savings glut',only wild horses and loose bankers.
posted on May 12, 2011 08:03:51 AM new
the title is-
Why PayPal freezes (aka limits, aka restricts) user accounts and how to get it unfrozen (aka unlimited, aka unrestricted).
*
There is no 'Global savings glut',only wild horses and loose bankers.
posted on May 12, 2011 08:21:44 AM new
That might be a SCAM email. I have recieved the same notice on an email addy that is not connected to PP. Also at that time I had not sold anything on eBay in months.
posted on May 12, 2011 08:25:20 AM new
I called and they confirmed it. But I got a payment this morning and there was no hold on it??
Also the email had my full name.
But scam was the first thing I thought of.
Don't you love these (not scam) email we get from ebay and paypal that have links to click in them??
posted on May 12, 2011 02:54:24 PM new
Found this in a "letter to Auction Bytes" dated May 12th.
" Here is a new PAYPAL policy. It is on their website.
"Actions by PayPal - Holds. We have updated our disclosures in Section 10 relating to your liability and the actions we may take. A User's rights, responsibilities and liability under this section have not changed except for the addition of your acknowledgment that our decision to take certain actions such as holds and reserves is based on confidential criteria, and your agreement that we have no obligation to disclose the details of our risk management or security procedures."
posted on May 12, 2011 06:18:31 PM new
Since we sell on Ebay,we have no choice but to agree with everything they impose,amend or change or add or delete.
*
There is no 'Global savings glut',only wild horses and loose bankers.
posted on May 13, 2011 03:06:03 AM new
I see now that the hold doesn't start until June 7th.
The really bad part is I expanded my business and hired an employee.
Do I think she will wait 21 days to get paid? I don't think so!!
I wander if I stop using this paypal account and had all my payment go to my other account if that would flag it somehow and cause them to put a 21 day hold there as well. After all I've only had that account for about 12 years - oh but I did have one charge back about 10 years ago!!!
I know - it's their playground and if we want to play we must play by their rules!! Fair or NOT
posted on May 13, 2011 03:44:55 AM new
Why dont you call and ask them?
But some of their customer service members are newly hired and dont know enough to give you correct information,once one of them advised me to sit tight and they will send me a new debit card,it turns out they are waiting for me to call them!
Instead of switching to the other no hold paypal account and risk having that account on 21 day hold,you can always list the items under the other Ebay seller ID.
I guess it is not that simple?
*
There is no 'Global savings glut',only wild horses and loose bankers.
posted on May 13, 2011 03:50:37 AM new
I wonder some day Big Brother will force Ebay to allow other vendors to provide payment service !
I have been watching HBO series Rome,Julius Caesar was stabbed to death by senators for being a tyrant!
'The tyrant is dead and the Republic is saved!'
*
There is no 'Global savings glut',only wild horses and loose bankers.
posted on May 13, 2011 04:47:01 AM new
The without cause clause allows PP to put a hold on your account to investigate unexpected or illegal activity on your account. Explaining the hold might require PP to reveal the name of an individual which by there own rules they cannot do.
If you think everyone is out to get you, then they are. Unknown CIA agent.
posted on May 13, 2011 05:34:46 AM new
It is not names,it is the method they used to sniff out the offenders or offending acts,if the crooks know,then they will find a way to beat it!
creditors share information on consumers,crooks,deadbeats or potential deadbeats or FBI soon to be wanted list.
Once someone stole mail from my post office mail box,or it could be misplaced in wrong box?
It is an offer from my credit card issuer ,blank drafts for me to use .
I received a phone call from my credit card issuer and asked if I wrote a draft payable to XYZ Bank?
I said no,then they said -yeah,we dont think so!
So I asked how do they know it is not from me?
They said -YOU DONT DO BUSINESS WITH XYZ BANK!
Then they said,since they issue me 4 blank drafts,they expect 3 more to come in.
So they can find out whom you do business with ,esp if it is a financial institution.
They also have software to track your spending habits,if you regularly spend so much paying your local drycleaner,gas station,a meal here and a cup of coffee there and Walmart/Target and once a year go on vacation -hotel,plane tickets etc.
If their software spotted a surge in spending,like you just went down the aisle of Nieman Marcus or Bestbuy and buy up merchandies which can be readily sold for cash,you will get a phone call from them.
There is no privacy any more,Google map shows a picture of your house and how to get there,credit card issuers can tell how and where you spend your money,so if you stay home,Neflix,AMZN can tell when you are streaming movies!
Someday they will implant a chip in our brain so they can monitor our blood pressure,insulin level,cancerous cells,remind us to do chores or take medication,and remotely they will view our body to repair or enhance our body,if it is deemed non salvageable,it will shut us down ,but it will leave us with enough juice to surrender ourselves to the junkyard!
[ edited by hwahwa on May 13, 2011 05:54 AM ]
[ edited by hwahwa on May 13, 2011 05:58 AM ]
posted on May 13, 2011 05:42:44 PM new
I hate to interrupt anyone's stream-of-consciousness flow with common sense, but why don't you just get a merchant account?
posted on May 13, 2011 05:56:26 PM new
Leave it to Fluffy to come up with the best advice in the least amount of words.
I'll check into it as soon as I can.
posted on May 13, 2011 05:59:01 PM new
Fluff,
will Ebay bidders want to fork over cc data to Ebay sellers ?
*
There is no 'Global savings glut',only wild horses and loose bankers.
posted on May 14, 2011 08:49:15 AM new
The theater of the mind is very entertaining, but I think I posted something here a few weeks back about eBay allowing integration of merchant accounts.
ebabe, I can connect you with a merchant services broker who can help you with eBay integration. I don't get anything for this and I don't suggest he is necessarily the best source to go with when you make a final decision but discussion is free. Email me for his address.
posted on May 17, 2011 12:57:22 AM new
Fluffy - can I just send you an email by way of your Jody Coyote site? I don't think I have your ebay information any longer?
posted on June 28, 2011 09:56:12 AM new
2 things to consider... 1) send them a letter requesting the FACTUAL reason for the hold, as well as requesting that they provide documentation for this decision. You may also request a list of things you have to do to have this removed. 2) File a complaint with your Attorney General office in your state.
If you can have #1 sent from an attorney, that would get paypal's attention. Calling them is useless.
My GF also had her account placed on 21 day hold, but she has a brand new PP account. She used our business eBay account to list a purse that sold for $125 and had the funds sent to her personal account so that we can keep the accounts separate. Within a day of receiving payment, Paypal issued a 21 day hold. Obviously, it is because her account is new. The customer representative we spoke with said she would have them review it again. Never heard back.
posted on June 29, 2011 01:59:51 AM new
I think I may have figured out the hold.
My new employee was having trouble with shipping labels and had to void a large number of them right before the hold was placed.
She has it down now so no more voids lately.
Hopefully this will go away in a few weeks.
posted on June 29, 2011 03:48:15 AM new
I thought you are going to get a merchant account?
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There is no 'Global savings glut',only wild horses and loose bankers.
