posted on August 20, 2002 06:55:35 PM new
I need help with my paypal account, and I'm not sure what to do.
I opened an account with paypal earlier this week, and when I did, I never saw anything that explicitly said that a credit card or bank account was required to RECEIVE payments, just to send them. However, when I tried to withdraw some funds, I was told that I must enter one of the other. I have neither a credit card, nor a bank account.
I asked my mother to place her card on the account and to have the money sent to her. Unfortunately, we came across a problem, as the PayPal system did not ask for the name on the Credit card, so we were not able to use the correct name but rather my own.
Due to this, it appears that my account is now restricted. Again, I dont have a bank account to lift the restriction. I appear to be stuck in limbo now, and am not sure what to do. We can't change the name on the account to hers, as PayPal apparently doesn't have that option in Profile.
posted on August 21, 2002 03:11:09 AM new
If you look at the TOS, it may look like you have violated some of the sections. No, you do not have to add a checking account or a credit card, however, you will be able to only withdraw 500.00 a month. However, now that you added your Mother's Credit Card, that is a violation of the TOS. You will have a long and hard fight on this one, but I would suggest that you contact Damon at [email protected]. He maybe able to help you.
posted on August 21, 2002 05:42:40 AM new
in hind sight,you should have open an account for your mother and then send your money to her and let her withdraw it.
Are you able to be added to your mother's credit card? In other words, can you provide documentation showing that you are authorized to use it (from the card company, name on the statement,etc.)?
posted on August 21, 2002 11:23:21 AM new
Damon, this is gc2; the originator of this thread is my son, I told him to post over here on my ID (since he doesn't use AW) to try to get an anwer. But he should be at work right now, so I will answer what I can.
No, at this time M Carter is not on the credit card, and it would take some time to have that done, and more to await a statement to that effect.
What I don't understand is this: The entire amount was only forty-odd dollars; why was he even asked for a credit card in order to withdraw it?
When he attempted to, he was told he had to place a credit card on file. He called me and asked if he could use a cc# of mine in order to make the withdrawal - which I didn't have a problem with - so I gave him a number.
If I had had more time to think it through (or if I had realized he couldn't put my cc on his account - most sites ask for the name on the cc, but Paypal doesn't), I would have had him send it to my (dormant) Paypal account, withdrawn it and sent him a money order.
But the damage has been done, and needs to be fixed some way.
I realize that it is inconvenient. But I hope you realize why the measures are in place for solid reasons (anti-fraud,prevent identity theft,etc.).
Adding your son to the credit card account should be a simple matter of calling the card company to add them (if you wish to). There was also another issue at play that I won't discuss here. I would be more than happy to discuss it via email with the party holding the account.
posted on August 25, 2002 09:46:31 AM new
Can someone please cite me chapter and verse in Paypal's TOS that says a cc must be on file to make a withdrawal?
And if that is the rule, why are people not told that when they sign up?
As it is, my son has 48.68 in limbo - that he cannot access - not even the shipping on the items.
I have tried posting my cc, but Paypal won't accept it, as it is not in his name, and they won't let me enter my name, or change the account to my name.
If he had known upfront that he would not be able to withdraw his money, he certainly would not have been dumb enough to have people put it in there!
i. U.S. Users. In order to withdraw funds that PayPal is holding in custody for you, you must confirm the email address that you registered by responding to a message that PayPal will send to that address when you have completed registration, and you must register a bank account or credit card with PayPal.
posted on August 25, 2002 11:26:28 AM new
Excuse me for being dense, but shouldn't they have you post your card information when you sign up for their service, instead of waiting until they have your money, and then refusing to let you have it?
Or is this just another way....well, I won't finish that, as I still hope to retrieve his money.
I have done what Damon told me to do in an email, and the account is still "limited".
Paypal refutes the old physics law that says 'what goes up must come down' (except in this case, it's 'what goes in doesn't necessarily come out').
posted on August 25, 2002 02:19:41 PM newgc2Excuse me for being dense, but shouldn't they have you post your card information when you sign up for their service, instead of waiting until they have your money, and then refusing to let you have it?
If they required a credit card to use PayPal you'd be right. The problem is some don't have a credit card, they use PayPal with their bank account. How would a person verify their bank acount with the deposits from PayPal if they couldn't sign up?
If you want to move money you have to have a credit cardORbank account registered with the account. That's a major fraud prevention safeguard.
posted on August 25, 2002 04:24:36 PM new
Then would it not be wise, at the time of registration, to ask for either a credit card or bank account information? Same principle.
posted on August 26, 2002 11:38:56 AM new
Damon, since I did exactly what you told me to do, and the account is still "limited", I think you owe me the courtesy of a response, and hopefully an explanation.
posted on August 27, 2002 02:24:18 PM new
Hi GU1HToM,
I am under no obligation to take verbal abuse from customers, which has happened in this forum more than any other.I am also under no obligation to speak to people that post here that are NOT users of the service. I can't respond to posts that are purely speculative in nature, nor can I respond to posts about other issues for a variety of reasons. I am more than happy to assist users with their PayPal questions and problems.
Our User Agreement is quite clear on many of the issues that come to this forum.
Several of the more recent customer situations have been resolved. Many of the posters do not come back to report that the issue has been closed.
In the case of this poster, they registered someone else's financial information on the account. This is a clear violation of our User Agreement and requires that they show they are authorized to use the financial instrument they registered. The User Agreement DOES specify what information is needed to accept/send/withdraw payments using the PayPal system.
-Withdrawals.
U.S. Users. In order to withdraw funds that PayPal is holding in custody for you, you must confirm the email address that you registered by responding to a message that PayPal will send to that address when you have completed registration, and you must register a bank account or credit card with PayPal. New PayPal Users (who have been in the PayPal system for 120 days or less) are required to complete two out of three authentication steps (confirm bank account, enter Member Number, confirm Social Security Number) in order to withdraw more than $500 per month. Some accounts, at PayPal's discretion, may have this limit even after 120 days. Some accounts, at PayPal's discretion, may have lower limits until the authentication steps have been completed. Account limits, if any, can be viewed from the "View Limits" link on the Account Overview page.
A person signing up for the service does have to click that they read the User Agreement before it will let the registration process continue.
posted on August 27, 2002 05:02:01 PM new
Ah let's face it PAYPONZI lies through it's teeth. Here's a company with a verified account in a country they don't recognize.
Registrant:Nuntiya Care Stone (THAIGEM-DOM)35/111-115 Trirat RoadA. Muang, Chanthburi 22000THDomain Name: THAIGEM.COMAdministrative Contact:Registrar, Domain (RD3047-ORG) [email protected] Holding LimitedC/O 35/111-115 Moo 7 Trirat RoadA. Muang, Chanthaburi 22000TH+6639340421
posted on August 28, 2002 07:50:45 AM new
Quote from Damon,
"I am under no obligation to take verbal abuse from customers, which has happened in this forum more than any other.I am also under no obligation to speak to people that post here that are NOT users of the service. I can't respond to posts that are purely speculative in nature, nor can I respond to posts about other issues for a variety of reasons. I am more than happy to assist users with their PayPal questions and problems. "
So I guess this means that if a potential customer comes in here with a question you will not answer them?
Plain & simple
You want to help customers.
Hey I can understand this.
But you also need to be able to solve problems.
Now because our problems were unable to be solved....
or
Our questions were too hard to answer...
We for the most part choose to no longer be PAYPAL customers.
You want to make your job 100 times easier?
Why not ask your former PAYPAL customers why they left?
Why not find out the reasons we had problems & correct them so your future customers do not have to deal with them.
As long as PAYPAL customers are comeing to this forum with their problems you are going to have to deal with all of us telling them our experiences with PAYPAL.
Some people will never be satisfied but coming in here & saying you don't want to deal with the abuse is just as bad as hanging up the phone on a PAYPAL customer.
You are a customer service rep.
You are here to solve customer's problems.
You are going to take abuse in just trying to do your job. Forget the board.
We are former PAYPAL customers.
We have tried to get our problems solved to our satisfaction.
When that was not possible we stopped using PAYPAL.
We are here to get our point across as much as you are here to help PAYPAL customers.
If you do not want to deal with us or have your customers dealing with us I suggest PAYPAL improve it's customer service enough so that YOUR customers do not come looking for a place OUTSIDE of PAYPAL to solve THEIR problems with PAYPAL.
Until that happens you are stuck with us.
No apologies.
posted on August 28, 2002 10:41:24 PM new
Damon... you are a customer service representative, you should understand that having problems with their money can make people emotional. Adding to this frustration is your continued comments about people getting emotional and not dealing with their problems. I reported three problems that lead to me stopping a payment that the only response was having my account restricted. Instead of fixing or even admitting to any one of the problems... you just quoted me policy. If you do this to other people... I can understand why they are so emotional. How about trying to understand their frustrations and their problems... instead making comments about what you will and won't put up with? How about fixing the root cause of problems... instead of fixing each individual problem?
