Lst week my access was limited to my acct. They claimed someone was trying to access my acct. I asked them for specifics and they told me they didnt know anything. I got back up and running again. 3 days later I was limited again. This time for suspicious activity. I spent the entire 3 days already scared that hackers were hiding under my bed and stealing everything from me. I contacted paypal and they would not tell me anything other than I needed to fax some things to verify who I am. I did so but was so concerened about the security of my computer. I was scanning for viruses canceling auctions, changing passwords on everthing I do online. Finally I called and talked to a supervisor and explained that needed to tell me whats up. If they know someone is trying to acces my accty and all this is done for my security then why not tell me something so I can counteract any other attemps. Final;ly the truth came out. I had a previous acct that was still open froma few years back and need to close it to continue. They said I need a bunch of informartion to prove that it was my acct in oredr to shut it off. WHY SCARE ME TO DEATH. I posted this on a forum on EBATY and noticed that paypal advocates kept posting never offering opinions on paypal actions but only staing I should have never opened a second acct etc. If they new I had an old one then why was aI able to open a new one. I did some checking on the forums to find out that the advocates seemed to post in the same topics everytime and help each other out with brainwashing posters with negative posts about Ebay. One ID stated she worked in a bank thats how she knows what goes on. but in another post to someone elses paypal traghedy she worked in the legal field that is how she knows whats going on. One ID hadnt done any ebay transactions in 13 months but had posted over 150m replies praising paypal to anyone. She sounded like she worked for paypal? Even has a paypal logo insertion link on her about me page and nothing else. After posting my findings ebay bnotified me that my post was in violation of posting policies. Took it off and are seeking to suspend me now. I noticed that the quick to post advocated didnt post again in my discussion after I stated my findings.

Funny thing abouty all of this is. Paypal claims everthing is done for your security. If someone actually hacks into my acct they have all the needed information to contactpaypal and verify they are me. The lkast 4 digits of my CC# arte in my profiles. How does this information possibly help security. What a joke. Oh well Spindoctors are everywhere.

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<G. Spelvin>,

When your dealing with PayPal, you gotta get used to it. One of the senior managers (by the name of Diana), actually chuckled at me as she told me "you don't really have complaints, that's just a default message" - Like it was a joke or something! She then said that she may be able to open my account back up in a couple "years" when my credit gets "better"... I then told her of he "eligibility" section of the User Agreement which states anyone who has evern had an account terminated may not use the system - She just laughed and said "well, you can't hold to that I guess!". And these people are working for who?

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Fool me once, shame on you -- fool me twice, shame on me... I just re-read the e-mail from "Roger" per my post above and he's only offering to refund HALF of my money in 45 days! That is NOT what he said over the phone. I took careful notes as he spoke and he definitely stated that PayPal would refund 100% of my money in 45 days if there were no chargebacks against my account. I must confess that I just glanced at his e-mail earlier today, because who could imagine someone could be so underhanded as to renege on such a straight-forward promise? Call me naive, but that is certainly not how I do business. These are not ethical people we are dealing with, folks! In my opinion, PayPal has more in common with a criminal enterprise than an honest business.

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Thanks for the feedback! I have already begun to compose my complaints to the Washington State Attorney General's office, the Federal Trade Commission and the Better Business Bureau. My story is here:

http://www.paypalsucks.com/forums/showthread.php?tid=9485&fid=3&block=0

My friend who works for the congressman has asked me for a summary and said she'd check out this Web site so she can do a preliminary analysis. RobertD, I agree that whatever hits PayPal in its wallet is going to be the most effective route. Perhaps many individual cases in small-claims court is the way to go, though one can only sue for actual monetary damages. I'd like to be able to sue for other damages, too (punitive, emotional distress, lost income, violation of injunctive relief, etc.).

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<G. Spelvin>,

Good post. I have been talking with the lawyers who previously filed the class action against PayPal, and they pretty much agree that something must be done. But, since I am trying to claim business damages as well, it couldn't be a class action suit, though they can still be charged with the civil penalties for violating the injunctive agreement.

They pulled the same stund on me as well though, about the credit report. I am a firm believer that they should have scanned my credit prior to allowing me access to the business account and debit card features - Doing it any different than that is extreme negligence and laziness on their behalf. There was nothing to indicate that my credit is bad!

It would be very hard to get a class action going now, though, with the new class action legislation in place. Best bet would be to claim business damages, violation of the injunctive agreement, etc. - The more individuals that file seperately (at least big business account members), the harder it will hit PayPal, and the faster they will do something about it.

I'm glad to see that their finally working in these "deals" with members, considering I had to fight with them tooth and bone, using the Attorney General. I wonder if PayPal got the hint in my letter, about violating the "excessive" in the injunctive agreement? Still, PayPal is making it sound like they are doing YOU a favor, but in reality, they are REQUIRED to release all funds after 45 days, if they hold no chargeback risk!

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<G. Spelvin>, well normally I'd grumble about posting such a long post in this thread, but I'm going make an exception. I do so because you did a great job telling your story, and it's so typical of the stories we hear.

REPORTERS? Here's your case if you want run with it!

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I have been a loyal PayPal customer for three years, with no history of chargebacks. Currently, I'm doing about $10,000 to $20,000 per month in business through PayPal, so you'd think I'd be regarded as a valuable customer, right? However, at 4:17 a.m. today PayPal sent me an e-mail to let me know they that during a recent screening, they had noticed an issue regarding my account. Yesterday, a customer sent me a $6K payment for a flat-panel display via six separate transactions. He had to do it this way because they wouldn't let him fund the full amount of his purchase in just one transaction. The gentleman is a new PayPal customer who happens to be a partner with a prestigious law firm. That fact can easily be verified by visiting the law firm's Web site or giving the firm a call. In other words, he is not someone whom PayPal should be too worried about. Nonetheless, after reading the information on this Web site I believe that his successive payments triggered my account closure.

Almost simultaneous to receiving the e-mail from PayPal warning me that my account was under investigation, they sent a second "all clear" message to let me know that my account status had been fully restored. Obviously, a computer is making these decisions with no human intervention. Later this morning, however, when I tried to spend some of the $3K+ in my PayPal account using my PayPal Premier MasterCard, the transaction was denied. I then checked my e-mail and found a notice from PayPal stating that they had checked my credit file with Equifax and, as a result, were closing my account. Of course, they didn't bother to give me the courtesy of a call before restricting my account, resulting in an embarrassing situation with a vendor who tried to charge my card (though they've never hesitated to bug me in the past about the smallest of purchases I've made -- one for as little as three dollars at a Bi-Lo grocery store was deemed "suspect"). I acknowledge having some problems with creditors years ago, but there is nothing on my credit file that PayPal wouldn't have known about three years ago when I opened my account. I suspect that they are using this as an excuse. I've never filed for bankruptcy and haven't had any problems with my Bank of America personal and business accounts. I even offered my private banker as a reference, which PayPal declined to contact. The e-mail informed me that all the money in my account ($3,159.14, to be exact) would be frozen for the next 180 days. Since I actually ship the items I sell and all my customers to date have been quite happy with their purchases, I'm not worried about having any chargebacks against these funds. Nevertheless, they are tying up my money for no fair or good reason. How likely is it that PayPal will actually return my money, assuming there are no chargebacks against these funds? Does it matter if the buyer funded his payment from a credit card or his bank account?

When I called customer service this afternoon (402-935-2017), the first person I spoke to admitted up front that there was absolutely NOTHING she could do about their decision. That's consistent with the e-mail notice I received from PayPal, which stated: "This limitation of your account privileges cannot be appealed." What kind of an organization is not willing to re-consider their decision, in case they made a mistake? They must have confused Papal Infallibility (as per the Vatican) with PayPal Infallibility. The next person I spoke to (a senior agent named "Roger" in the resolutions center in Nebraska) basically gave me the same line, with the added information that because I sell electronics, that's considered a "high risk" business. That is a pretty big segment of the economy to just write-off, with no warning to me beforehand. He also cited the fact that I've been receiving high-dollar payments. That is interesting, because PayPal's fee structure is set up to reward people for doing a lot of volume (i.e., receive over $10K of payments and the transaction fee is lowered to 2.2%). I'm using their MasterCard debit card exactly as intended and to my knowledge have been following all applicable account rules and regulations, with no customer chargebacks. Apparently that's not good enough for their statistical model!

Finally, the "senior agent" talked to his supervisor (I guess Roger wasn't that senior, after all) in "Executive Escalations." Though she refused to talk to me, the supervisor did authorize Roger to offer me a compromise. They are still going to close my account, but if I send them confirmation that the item I sold yesterday has been shipped, PayPal will refund my money in 45 days instead of the 180 days they initially stated. I was able to persuade Roger to put that promise in writing, via e-mail. (By the way, he became very annoyed when I mentioned the "paypalsucks.com" Web site.) Am I better off to wait to sue until AFTER my money has been refunded, so they can't attempt to lay claim to my money as reimbursement for their legal fees? Or, if it's unlikely they will honor their promise to make the refund, should I just go ahead and sue now in small-claims court to bring this matter to a head? One of the consistent themes I've noticed from comments at this site is that it's only through filing suit that PayPal victims get positive results. Can anyone who has been down this road before offer me any advice? I intend to contact the gentleman who launched the successful small-claims court action in California, but if there are any others who have filed individual cases (as opposed to the class-action suits), I'd really appreciate hearing from them.

After my customer (the lawyer with the big-name law firm) gets his shipment on Friday, I am going to see if perhaps his firm might entertain the possibility of launching a class-action suit against this company. After reading through literally hundreds of comments on this Web site, it's apparent to me that something more needs to be done about PayPal and its unsavory business practices. The wife of one of my best friends from college happens to be the communications director for a prominent United States congressman. I am going to speak to her about this matter, to see if her boss can interest the House Commerce Committee in launching an investigation into PayPal's deceptive and unfair practices. Based on my experience and what I've read concerning the pending settlement in the class-action case (as well as the allegations in the class-action suit just filed in New York), it's clear that new legislation to regulate companies like PayPal may be required. Clearly, the fact that PayPal remains wholly unaccountable to banking regulators because "we are not a bank" -- as they so eagerly will tell you -- needs to be examined. But if it walks like a duck and quacks like a duck, it must be duck! For all intents and purposes, PayPal acts like a financial institution and should be so-regulated. They are going to rue the day they ever messed with me...

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I used to do a lot of buying and selling and was doing a lot of transacting through paypal. Twice I had ebay sellers who ripped me off and took my money without sending me my purchases. Both times paypal determined in my favor but by the time they do their review the seller has time to empty their account so when they went to collect my money back they couldn't. At that point you get a 'sorry too bad we got .22 out of $200" or whatever the figures work out to be.

In addition, paypal has a limit on the claims you can file, it's something like 3 so I've now used mine up according to paypal. Used them up recovering about .37 of hundreds that I was cheated on and that they couldn't recover.

Pretty cute, they recovered nothing and now I don't have ANY help from paypal should I get cheated again. I don't do much epay buying any more.

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<Bloodmonger>,

Yeah, that's true... If you would have had an empty account, they probably wouldn't have locked it. I think there is something much bigger going on, like my "minimum quota" theory (in the Racketeering Conspiracy thread I started)...

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I bet this is what they tell me next week when my funds are supposed to be released..

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I just got my business PayPal account limited and the 6k US dollars I had therein are frozen. PayPal's automatic response stated the reason was "due to the excessive risk involved".

For full story contact me at <b>bloodmonger@softhome.net</b>

<i>It is quite clear that what these cases have in common is that all accounts were full of money.</i>

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surfernerdboi69,
Hi mate
did anything come of this interview as I am having BIIIGGG problems with Paypal at the moment

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<Tommie>,

I went through this also. Fortunately, after about 9 months the guy who took my money reactivated his PayPal account... LOL... PayPal reversed the charge and I got my money back.

Patience is needed, although most fraudulent sellers will not use the same email...

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Hi, Paypal has just today frozen $4400 of mine because they have determined my company is an "excessive risk" without explaining what this means. Supposedly I can get my money in 180 days. The worse thing is it started out as $1300 but then I processed with them for 3 more days because they said everything was fine your account is just limited because we need more paperwork. Then after 3 days they sent me the "excessive risk e-mail" and the total was up to $4400.

I can be contacted at myshaker1@yahoo.com. I would love to tell the story.

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Quote:

---

hollis,
Paypal is keeping $4700 in my frozen account. It's been over two months, and after giving them all of the information they asked for, faxing copies of my DL, bills, bank statement... they decide to tell me "we are no longer able to have you as a customer." I did nothing wrong and I am very angry at paypal. I will be happy to tell my whole story.

---

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