7 ms·

PayPal is such a weird company. I was a loyal customer for 20 years until I wanted to convert my account from business to personal (I closed the business) and t

PayPal is such a weird company. I was a loyal customer for 20 years until I wanted to convert my account from business to personal (I closed the business) and the site refused to do so. after months of calls with support, it became clear that no one was able to do this (something locked the flow and no one was able to see what; I guess my account was so ancient, it has some db flags no longer used but still checked by their backend?), so I asked just to terminate my account. That also was not possible. It took 6 months to figure out why; my company still existed they said; it most certainly did not. It took 2 months to find out why they thought that; apparently, somewhere in the past 20 years, they searched for my company in the NL company register and attached the wrong company number to my account. So I told them the real number and they said; now all is fine, we can even convert it to personal. 1 hour later I received an email from PayPal that I am permanently banned as I am trading with a business account of which the company no longer exists… Well done!

rutierut 4y ago
This is so quintessentially Paypal, were they upfront about their services, they'd put this testimonial on their home page.
londons_explore 4y ago
To be honest I'm surprised they even tried as hard as they did. Normally in my experience if you cost them more than about 30 minutes of staff time fixing any problem, they'll ban your account just on the basis that you're costing them more in customer service than the revenue you bring in.
- tluyben2 4y ago
  The Dutch support is really very good. Before they had local support it was even worse. But the dutch support, as far as I have used them (quite a lot from begin ‘20 to begin ‘22 as I tried to convert my account), they were professional and nice, but have very little power and need to talk to their US counterparts all the time (which, I presume, is why the weeks/months fly by over something I would assume is a support-portal lookup). Edit; I guess by having written this, if a PayPal manager reads this, the Dutch support will get an ‘urgent read now!’ email from their manager to not waste so much time on customers…
  - hvdijk 4y ago
    I'm glad your experience was better than mine. I had to get a lawyer involved after the Dutch support told me I would be refunded if I returned an item, and then after I sent it back, denied the refund.
    - tluyben2 4y ago
      Well, my story didn’t end well, but at least they were nice and courteous. Maybe I just got lucky there but my experience with US support was random phone hang ups, infinite queues to ‘I will just fetch this info, moment sir’, people being short, blaming me, barking insults etc. I guess you found out as well, like me, the US has the last say in any matter and they don’t really listen to their overseas colleagues if their flagging algo/AI says ‘nope’. Did the lawyer work? If it did, I am happy that at least it seems possible to go against them. I will never touch them again though.
      - hvdijk 4y ago
        The lawyer did work, thankfully.
- YetAnotherNick 4y ago
  Not if you want to get banned lol.
rippercushions 4y ago
I lost access to a PayPal account I had used for years, because one day they decided they needed to know the CVV of a long-expired credit card, and refused to let me log in without it. Surprisingly, customer support was very helpful and let me transfer out the (minimal) balance in the account to another, completely unconnected PayPal business account I happened to have. Which is even more disconcerting, because it meant they were sufficiently convinced about my identity to let me transfer money out, but not enough to let me login in. Insane. I'm still (very, very occasionally) using that business account today, even though the underlying business also ceased to exist years ago. I wonder when the banhammer will drop?
- tluyben2 4y ago
  Maybe for your account they registered the wrong number as well? I could’ve gone on using it if I hadn’t told them. But in NL this is an issue (hence I tried so hard); bank accounts to companies need to be closed asap when the company gets closed and you definitely cannot pay or receive money with them as that will anger the tax office.
  - jeromegv 4y ago
    But PayPal is not a bank or registered as a bank, so would that matter?
    - Tijdreiziger 4y ago
      They certainly are. From their NL terms and conditions [1]: > Who provides the Service? > The Service is provided by PayPal (Europe) S.à r.l.et Cie, S.C.A. (R.C.S. Luxembourg B 118 349) (“PayPal”) to registered users in the European Economic Area. For details on how to reach PayPal, please refer to this page on Customer Service, or in an emergency, see “What to do” below. > PayPal is duly licensed in Luxembourg as a bank (or “credit institution” in legal terms). We are under the prudential supervision of the Luxembourg financial regulatory authority, the Commission de Surveillance du Secteur Financier or CSSF. The CSSF maintains a register of the organisations that it regulates at https://supervisedentities.apps.cssf.lu/index.html?language=en#Home https://supervisedentities.apps.cssf.lu/index.html?language=.... PayPal is number B00000351 on the register, but you can also look us up on the register by our name. [1] https://www.paypal.com/nl/webapps/mpp/ua/servicedescription-full?locale.x=en_NL https://www.paypal.com/nl/webapps/mpp/ua/servicedescription-...
kaetemi 4y ago
I have a business account that now has a whole series of notification boxes, some empty, one saying the account is permanently closed, and one saying I need to update KYC to restore the account. Filling in the KYC sometimes restores it, but then it gets locked again because the KYC changes account details, which triggers the KYC process and reverts the changes.
the_other 4y ago
This story has pushed me over the line, finally triggering me to close my PayPal account. I can't describe the sum total of stimuli that brought me here, it's a gestalt, a gut feeling. Thanks. I feel lighter.
- rjh29 4y ago
  PayPal is excellent for buyers, horrible for sellers. Just don't keep any money in it and don't let them convert currency for you.
  - dustymcp 4y ago
    This i use it often when buying stuff overseas, every time there has been anything i just dispute and get my money back.
  - IG_Semmelweiss 4y ago
    But not keeping money on them is NOT enough as a seller to extricate yourself from that morass. They will find subtle ways to force-link your real bank account to paypal, and then its game over. They have the keys to the kingdom. One day you will get some random charge on your account that keeps growing and growing and you don't recognize the transaction at all, but you can't do anything because they can pay themselves from your linked bank account. I advise all businesses that use paypal that at worst case, link a completely unrelated bank institution to paypal, and then keep this secondary bank to low funds as often as possible. Otherwise, you will never know when paypal may poison the well and your physical bank business operating account is suddenly unavailable!
    - rjh29 4y ago
      Definitely. My second sentence was directed at buyers.
    - fsckboy 4y ago
      > They will find subtle ways to force-link your real bank account to paypal, and then its game over. They have the keys to the kingdom. for most reasonable sized US banks, once you have one account that has enough money not to be charged fees, you can open additional accounts with them, and easily transfer money between them. You could open a paypal-only account and keep it empty. You could also close it, and open another one whenever you need to verify an account with PayPal again
dhruval 4y ago
I have been trying to upload some information they asked to verify my business account. For a new business account I opened I already have 1 business and 1 personal account which is their limit and got permission from PayPal to open this one. I kept getting an error when I go through the official form. Possibly because I have a linked account already. So I talked to customer support and after a huge timesink and getting passed around between several agents and contacting them multiple times they gave me an alternative place to upload. Which worked but I think no one saw the documents as that alternate form. I contacted customer support again and they said that alternate upload form was just for personal accounts. In the end I just decided not to accept PayPal as means of payment for that business. Luckily wasn’t a big deal for me in this case.
- IG_Semmelweiss 4y ago
  you got off easy , friend
samstave 4y ago
They are not a "weird" company -- they are a piece-of-shit company
- throw_m239339 4y ago
  Exactly, they have a monopoly and abuse it in the worst possible way. I'm glad someone sued them and won, his politics don't matter to me.
  - deleted 4y ago
    [deleted]
  - criddell 4y ago
    What do they have a monopoly in? I've only used them as a consumer to pay for things and they are usually one of several options I have.
  - friend_and_foe 4y ago
    What monopoly? I've literally never used PayPal. I did use Venmo for a while til they said they were closing my account unless I provide them with information I already provided them with, I decided that I'd let them close it and now they won't stop offering me $10.
jwrallie 4y ago
I've contacted one time PayPal Japan to transfer money to a personal account from PayPal Brazil because it gave me some error. They told me I should contact PayPal Brazil because the recipient account was not verified. On PayPal Brazil, they told me that I could only transfer personal money through Xoom, which is another service from PayPal. But when I tried, Xoom doesn't work with Japan. After I asked PayPal Japan again, they confirmed only business accounts can receive money in Brazil. It took around 3 weeks going back and forth until they could give me a clear statement saying that what I tried to do was impossible. I wondered why the interface was allowing me to chose this kind of transfer in the first place.
- sidewndr46 4y ago
  So it's a payment service that can't transfer money between accounts?
  - pelasaco 4y ago
    Probably because he is/was Dekasegi https://en.wikipedia.org/wiki/Dekasegi https://en.wikipedia.org/wiki/Dekasegi and there are some specific rules to move their money back to Brazil
FerociousTimes 4y ago
> 1 hour later I received an email from PayPal that I am permanently banned as I am trading with a business account of which the company no longer exists I hate that I have to do this and to be viewed as defending a vile organization like PayPal but this specific incident here could be the result of another department/silo (compliance/anti-fraud?) within the corporation issuing an immediate ban for your account to avoid or limit any regulatory burden.
- pasc1878 4y ago
  Yes in general But in this case they knew it was a special case and should have informed the other parts of PayPal so this would not happen. So this is not a good defense
  - FerociousTimes 4y ago
    I am not defending them at all, their total disregard for their customers, and lack of courtesy make them in my book one of the most awful companies to work with or patronize, but usually organizations of this gigantic scale are compartmentalized, and work in silos, and thus you have to figure it out yourself, or through an insider, how to navigate the bureaucratic maze, and accomplish the task at hand and not be disheartened with the initial frustrating response that you might get from the first line of contact with them.
- joebob42 4y ago
  It honestly doesn't really matter. That's a plausible explanation, but the customer shouldn't have to care / make special allowances because this is a big company with lots of people. It either does good things or it doesn't, and in this case it didn't.
duxup 4y ago
Brazil (1985 film) was not supposed to be an instruction manual! The scale of these absurdities is just wild. Years ago I signed up for a domain for my blogger.com blog. At some point google decided to transfer the management of that domain to google workspaces ... I don't know how or why but they did. So when it expired I was told to login to google workspaces, but I don't have a google workspaces account at the email they kept emailing me at ... and their emails never told me what email to login with. To get help on the website I was told to contact my google workspaces administrator ... but not who that is. I figured out who the domain registrar was and told them my story and they helped me get a hold of the domain. Kudos to them to having a very fast and effective support team. Now even more years later I get more emails from google workspaces that my account is expiring and sorta implying some consequences (but not actually saying) ... not that I can do anything about it. At this point I have it in the back of my mind that any given day google could find this weird situation, assume malice, and ban me... a situation that 1. I didn't make happen. 2. I can't even fix. 3. I don't even know how it happened / what the problem is / google won't really tell me.
- pelasaco 4y ago
  by the way https://www.youtube.com/watch?v=X27Sw7r6gB8 https://www.youtube.com/watch?v=X27Sw7r6gB8 (DEF CON 30 - Paul Roberts - Brazil Redux - Short Circuiting Tech-Enabled Dystopia Right to Repair)
- galangalalgol 4y ago
  Are there options for small business payment processing that don't invite comparisons to dystopias? I think crowdsourced patronage is a great model for society to fund creative works now that copyright regulations have largely been captured, but with Patreon ignoring security, and paypal being this disfuncional... Is there a safe way to accept something like vinmo for micropayments?
  - bragr 4y ago
    Paypal owns venmo
- 4y ago
Havoc 4y ago
Same for transferring accounts to a different country. Can’t be done according to their useless help line. Has to be closed and reopened under a different email addr according to them
TrevorJ 4y ago
I could be wrong, but isn't it flat-out illegal for a company to refuse to remove/delete your account on your request? I'm pretty sure GDPR, at least, requires this explicitly.
carapace 4y ago
Paypal owes me $200. They locked an account and wouldn't unlock it. Years later I get a letter from the State Comptroller about how they are about to receive my balance ($200) from PayPal because they (PayPal) haven't been able to contact me (Don't they have my email address?) There's a number to call, I call it, the PayPal employee says "How do you want your money, check or in your PayPal account?" I choose check, of course, because the account is locked. And that's the last I ever heard of it. No check. No new letter from the comptroller. PayPal must have kept it. They found a loophole in the system. It's literally not worth my time to pursue it, so instead I just mention this story in public from time to time. https://hn.algolia.com/?dateRange=all&page=0&prefix=false&query=%22paypal%20owes%20me%20%24200%22&sort=byDate&type=comment https://hn.algolia.com/?dateRange=all&page=0&prefix=false&qu...
Tozen 4y ago
> PayPal is such a weird company... I disagree. ETSY and eBay appear just as weird, crazy, and up to various odd machinations. The Internet is littered with tales of people completely baffled and perplexed at having their accounts suspended without explanation, then getting the runaround or cold shoulder from customer service. There is also speculation about some type of secretive blacklist that is floating around and used by various companies for preemptive actions.

rutierut 4y ago

This is so quintessentially Paypal, were they upfront about their services, they'd put this testimonial on their home page.

londons_explore 4y ago

To be honest I'm surprised they even tried as hard as they did. Normally in my experience if you cost them more than about 30 minutes of staff time fixing any problem, they'll ban your account just on the basis that you're costing them more in customer service than the revenue you bring in.

tluyben2 4y ago
The Dutch support is really very good. Before they had local support it was even worse. But the dutch support, as far as I have used them (quite a lot from begin ‘20 to begin ‘22 as I tried to convert my account), they were professional and nice, but have very little power and need to talk to their US counterparts all the time (which, I presume, is why the weeks/months fly by over something I would assume is a support-portal lookup). Edit; I guess by having written this, if a PayPal manager reads this, the Dutch support will get an ‘urgent read now!’ email from their manager to not waste so much time on customers…
- hvdijk 4y ago
  I'm glad your experience was better than mine. I had to get a lawyer involved after the Dutch support told me I would be refunded if I returned an item, and then after I sent it back, denied the refund.
  - tluyben2 4y ago
    Well, my story didn’t end well, but at least they were nice and courteous. Maybe I just got lucky there but my experience with US support was random phone hang ups, infinite queues to ‘I will just fetch this info, moment sir’, people being short, blaming me, barking insults etc. I guess you found out as well, like me, the US has the last say in any matter and they don’t really listen to their overseas colleagues if their flagging algo/AI says ‘nope’. Did the lawyer work? If it did, I am happy that at least it seems possible to go against them. I will never touch them again though.
    - hvdijk 4y ago
      The lawyer did work, thankfully.
YetAnotherNick 4y ago
Not if you want to get banned lol.

rippercushions 4y ago

I lost access to a PayPal account I had used for years, because one day they decided they needed to know the CVV of a long-expired credit card, and refused to let me log in without it. Surprisingly, customer support was very helpful and let me transfer out the (minimal) balance in the account to another, completely unconnected PayPal business account I happened to have. Which is even more disconcerting, because it meant they were sufficiently convinced about my identity to let me transfer money out, but not enough to let me login in. Insane. I'm still (very, very occasionally) using that business account today, even though the underlying business also ceased to exist years ago. I wonder when the banhammer will drop?

tluyben2 4y ago
Maybe for your account they registered the wrong number as well? I could’ve gone on using it if I hadn’t told them. But in NL this is an issue (hence I tried so hard); bank accounts to companies need to be closed asap when the company gets closed and you definitely cannot pay or receive money with them as that will anger the tax office.
- jeromegv 4y ago
  But PayPal is not a bank or registered as a bank, so would that matter?
  - Tijdreiziger 4y ago
    They certainly are. From their NL terms and conditions [1]: > Who provides the Service? > The Service is provided by PayPal (Europe) S.à r.l.et Cie, S.C.A. (R.C.S. Luxembourg B 118 349) (“PayPal”) to registered users in the European Economic Area. For details on how to reach PayPal, please refer to this page on Customer Service, or in an emergency, see “What to do” below. > PayPal is duly licensed in Luxembourg as a bank (or “credit institution” in legal terms). We are under the prudential supervision of the Luxembourg financial regulatory authority, the Commission de Surveillance du Secteur Financier or CSSF. The CSSF maintains a register of the organisations that it regulates at https://supervisedentities.apps.cssf.lu/index.html?language=en#Home https://supervisedentities.apps.cssf.lu/index.html?language=.... PayPal is number B00000351 on the register, but you can also look us up on the register by our name. [1] https://www.paypal.com/nl/webapps/mpp/ua/servicedescription-full?locale.x=en_NL https://www.paypal.com/nl/webapps/mpp/ua/servicedescription-...

kaetemi 4y ago

I have a business account that now has a whole series of notification boxes, some empty, one saying the account is permanently closed, and one saying I need to update KYC to restore the account. Filling in the KYC sometimes restores it, but then it gets locked again because the KYC changes account details, which triggers the KYC process and reverts the changes.

the_other 4y ago

This story has pushed me over the line, finally triggering me to close my PayPal account. I can't describe the sum total of stimuli that brought me here, it's a gestalt, a gut feeling. Thanks. I feel lighter.

rjh29 4y ago
PayPal is excellent for buyers, horrible for sellers. Just don't keep any money in it and don't let them convert currency for you.
- dustymcp 4y ago
  This i use it often when buying stuff overseas, every time there has been anything i just dispute and get my money back.
- IG_Semmelweiss 4y ago
  But not keeping money on them is NOT enough as a seller to extricate yourself from that morass. They will find subtle ways to force-link your real bank account to paypal, and then its game over. They have the keys to the kingdom. One day you will get some random charge on your account that keeps growing and growing and you don't recognize the transaction at all, but you can't do anything because they can pay themselves from your linked bank account. I advise all businesses that use paypal that at worst case, link a completely unrelated bank institution to paypal, and then keep this secondary bank to low funds as often as possible. Otherwise, you will never know when paypal may poison the well and your physical bank business operating account is suddenly unavailable!
  - rjh29 4y ago
    Definitely. My second sentence was directed at buyers.
  - fsckboy 4y ago
    > They will find subtle ways to force-link your real bank account to paypal, and then its game over. They have the keys to the kingdom. for most reasonable sized US banks, once you have one account that has enough money not to be charged fees, you can open additional accounts with them, and easily transfer money between them. You could open a paypal-only account and keep it empty. You could also close it, and open another one whenever you need to verify an account with PayPal again

dhruval 4y ago

I have been trying to upload some information they asked to verify my business account. For a new business account I opened I already have 1 business and 1 personal account which is their limit and got permission from PayPal to open this one. I kept getting an error when I go through the official form. Possibly because I have a linked account already. So I talked to customer support and after a huge timesink and getting passed around between several agents and contacting them multiple times they gave me an alternative place to upload. Which worked but I think no one saw the documents as that alternate form. I contacted customer support again and they said that alternate upload form was just for personal accounts. In the end I just decided not to accept PayPal as means of payment for that business. Luckily wasn’t a big deal for me in this case.

IG_Semmelweiss 4y ago
you got off easy , friend

samstave 4y ago

They are not a "weird" company -- they are a piece-of-shit company

throw_m239339 4y ago
Exactly, they have a monopoly and abuse it in the worst possible way. I'm glad someone sued them and won, his politics don't matter to me.
- deleted 4y ago
  [deleted]
- criddell 4y ago
  What do they have a monopoly in? I've only used them as a consumer to pay for things and they are usually one of several options I have.
- friend_and_foe 4y ago
  What monopoly? I've literally never used PayPal. I did use Venmo for a while til they said they were closing my account unless I provide them with information I already provided them with, I decided that I'd let them close it and now they won't stop offering me $10.

jwrallie 4y ago

I've contacted one time PayPal Japan to transfer money to a personal account from PayPal Brazil because it gave me some error. They told me I should contact PayPal Brazil because the recipient account was not verified. On PayPal Brazil, they told me that I could only transfer personal money through Xoom, which is another service from PayPal. But when I tried, Xoom doesn't work with Japan. After I asked PayPal Japan again, they confirmed only business accounts can receive money in Brazil. It took around 3 weeks going back and forth until they could give me a clear statement saying that what I tried to do was impossible. I wondered why the interface was allowing me to chose this kind of transfer in the first place.

sidewndr46 4y ago
So it's a payment service that can't transfer money between accounts?
- pelasaco 4y ago
  Probably because he is/was Dekasegi https://en.wikipedia.org/wiki/Dekasegi https://en.wikipedia.org/wiki/Dekasegi and there are some specific rules to move their money back to Brazil

FerociousTimes 4y ago

> 1 hour later I received an email from PayPal that I am permanently banned as I am trading with a business account of which the company no longer exists I hate that I have to do this and to be viewed as defending a vile organization like PayPal but this specific incident here could be the result of another department/silo (compliance/anti-fraud?) within the corporation issuing an immediate ban for your account to avoid or limit any regulatory burden.

pasc1878 4y ago
Yes in general But in this case they knew it was a special case and should have informed the other parts of PayPal so this would not happen. So this is not a good defense
- FerociousTimes 4y ago
  I am not defending them at all, their total disregard for their customers, and lack of courtesy make them in my book one of the most awful companies to work with or patronize, but usually organizations of this gigantic scale are compartmentalized, and work in silos, and thus you have to figure it out yourself, or through an insider, how to navigate the bureaucratic maze, and accomplish the task at hand and not be disheartened with the initial frustrating response that you might get from the first line of contact with them.
joebob42 4y ago
It honestly doesn't really matter. That's a plausible explanation, but the customer shouldn't have to care / make special allowances because this is a big company with lots of people. It either does good things or it doesn't, and in this case it didn't.

duxup 4y ago

Brazil (1985 film) was not supposed to be an instruction manual! The scale of these absurdities is just wild. Years ago I signed up for a domain for my blogger.com blog. At some point google decided to transfer the management of that domain to google workspaces ... I don't know how or why but they did. So when it expired I was told to login to google workspaces, but I don't have a google workspaces account at the email they kept emailing me at ... and their emails never told me what email to login with. To get help on the website I was told to contact my google workspaces administrator ... but not who that is. I figured out who the domain registrar was and told them my story and they helped me get a hold of the domain. Kudos to them to having a very fast and effective support team. Now even more years later I get more emails from google workspaces that my account is expiring and sorta implying some consequences (but not actually saying) ... not that I can do anything about it. At this point I have it in the back of my mind that any given day google could find this weird situation, assume malice, and ban me... a situation that 1. I didn't make happen. 2. I can't even fix. 3. I don't even know how it happened / what the problem is / google won't really tell me.

pelasaco 4y ago
by the way https://www.youtube.com/watch?v=X27Sw7r6gB8 https://www.youtube.com/watch?v=X27Sw7r6gB8 (DEF CON 30 - Paul Roberts - Brazil Redux - Short Circuiting Tech-Enabled Dystopia Right to Repair)
galangalalgol 4y ago
Are there options for small business payment processing that don't invite comparisons to dystopias? I think crowdsourced patronage is a great model for society to fund creative works now that copyright regulations have largely been captured, but with Patreon ignoring security, and paypal being this disfuncional... Is there a safe way to accept something like vinmo for micropayments?
- bragr 4y ago
  Paypal owns venmo
4y ago

Havoc 4y ago

Same for transferring accounts to a different country. Can’t be done according to their useless help line. Has to be closed and reopened under a different email addr according to them

TrevorJ 4y ago

I could be wrong, but isn't it flat-out illegal for a company to refuse to remove/delete your account on your request? I'm pretty sure GDPR, at least, requires this explicitly.

carapace 4y ago

Paypal owes me $200. They locked an account and wouldn't unlock it. Years later I get a letter from the State Comptroller about how they are about to receive my balance ($200) from PayPal because they (PayPal) haven't been able to contact me (Don't they have my email address?) There's a number to call, I call it, the PayPal employee says "How do you want your money, check or in your PayPal account?" I choose check, of course, because the account is locked. And that's the last I ever heard of it. No check. No new letter from the comptroller. PayPal must have kept it. They found a loophole in the system. It's literally not worth my time to pursue it, so instead I just mention this story in public from time to time. https://hn.algolia.com/?dateRange=all&page=0&prefix=false&query=%22paypal%20owes%20me%20%24200%22&sort=byDate&type=comment https://hn.algolia.com/?dateRange=all&page=0&prefix=false&qu...

Tozen 4y ago

> PayPal is such a weird company... I disagree. ETSY and eBay appear just as weird, crazy, and up to various odd machinations. The Internet is littered with tales of people completely baffled and perplexed at having their accounts suspended without explanation, then getting the runaround or cold shoulder from customer service. There is also speculation about some type of secretive blacklist that is floating around and used by various companies for preemptive actions.