8 ms·

I was "banned for life" about 4-6 weeks ago. No explanation given. No sketchy transactions on my record, just sending money back and forth between friends who

I was "banned for life" about 4-6 weeks ago. No explanation given. No sketchy transactions on my record, just sending money back and forth between friends who (AFAIK) aren't up to anything suspicious. It was embarrassing having to explain to people that we'd have to figure out another way to transact going forward because I was no longer welcome with Paypal. A week later I tried logging in again just to see what would happen, and everything was back to normal. I could once again send and receive money as if nothing had ever happened. Needless to say, I took the opportunity to transfer every last dime out of the account.

gerogerke 4y ago
I opened a business PayPal account, and it was closed within the first 2 minutes of opening. There was no reason given, and I had provided all details necessary during sign-up. I still get promotional mails until now.
- justsomehnguy 4y ago
  > I still get promotional mails until now Just forward them to phishing@paypal.com
- rendaw 4y ago
  Same, I got the ban email before I was even done setting up the account: > After a review, we decided to permanently limit your account as we found potential risk associated with it. > You'll not be able to conduct any further business using PayPal. > Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. > Any bank or credit card information that's linked to your PayPal account cannot be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. > If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. > We regret any inconvenience this may cause. No contact address, no escalation path, only vague rumors on internet forums of voodoo to get the ban lifted by the Paypal gods. They continue to send me daily emails telling me to link my bank account. Okay! And then a day or two later I get another email > My name is YYYY and I work on the PayPal Business team. I am more than happy to assist you with your PayPal onboarding journey. > So I understand the nature of your request. Could you please provide me with some additional insight to your business by answering the below questions. And a bunch of generic business area questions (what do you sell, what's your volume, etc). Are you kidding? You open by telling a fellow to get stuffed, then talk about journeys and assisting them?
- LegitShady 4y ago
  truthfully they did you a favor
hot_gril 4y ago
Same except I wasn't even sending money. Made an account years ago, never used it, got banned for life when I logged back in. Tried making a new account, but obviously they're able to detect that, so it wouldn't take any of my credit cards. I don't get how people use this thing.
- iforgotpassword 4y ago
  It works well until it doesn't, I guess.
  - hot_gril 4y ago
    Probably works or doesn't. I was part of whatever small percent gets banned by mistake, whereas most people would end up using it and generate enough confidence in their algos to not get banned later. Whatever, I can live without the ability to purchase random crafts from Etsy.
- tombolino 4y ago
  there's a whole forum dedicated to how to create stealth paypal accounts, but I forgot the name
burnte 4y ago
I was banned half a dozen times. :D
m3adow 4y ago
That's why I have no money in my PayPal account and the only payment method is a credit card which I get a notification for when it's charged. I don't trust PayPal at all, but sadly, it's the least bad payment option in big parts of the european online shopping sector.
jacquesm 4y ago
Make sure to uncouple your bank account and phone from your Paypal account if you're really done with them.
- thallium205 4y ago
  Not good enough. You have to also put a stop payment at your bank against all PayPal transactions.
  - burnte 4y ago
    I changed banks back in 07 over this.
  - krenel 4y ago
    [EU/SEPA Only] If you have signed a B2B SEPA Direct Debit (SDD), it's enough to revoke it on your banking portal as you have mentioned. Your bank is required for a signed Mandate to be able to debit your account. If you have been debited already for a B2B SDD, you only have 3 inter-banking business days to try to Reject the payment (if your bank offers that as a service), afterwards the bank that has issued the SDD is not legally bounded to return the money. If it's a Core SEPA Direct Debit, there is not the concept of a "signed mandate" but according to the rulebook [1] you have up to 13 months [2] to ask for a Return. [_sigh_] I've spend so much team reading those rulebooks [1] https://www.europeanpaymentscouncil.eu/what-we-do/sepa-payment-schemes/sepa-direct-debit/sepa-direct-debit-core-rulebook-and https://www.europeanpaymentscouncil.eu/what-we-do/sepa-payme... [2] "If the request for a Refund concerns an Unauthorised Transaction, a Debtor must present its claim to the Debtor PSP within 13 months of the debit date. [...]"
  - miroljub 4y ago
    Is thin an American thing? Can they just pool money at will? In the EU, if you revoke their SEPA direct debit permission, they are committing a fraud if they try to pull money, and 99.9999% of companies will not even try. If someone still does it, you can revoke the transaction in your online banking interface, and the company will then have to pay an additional fee to the bank.

gerogerke 4y ago

I opened a business PayPal account, and it was closed within the first 2 minutes of opening. There was no reason given, and I had provided all details necessary during sign-up. I still get promotional mails until now.

justsomehnguy 4y ago
> I still get promotional mails until now Just forward them to phishing@paypal.com
rendaw 4y ago
Same, I got the ban email before I was even done setting up the account: > After a review, we decided to permanently limit your account as we found potential risk associated with it. > You'll not be able to conduct any further business using PayPal. > Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. You'll also be charged a High Volume Dispute fee based on your activity for all existing and future cases you receive. > Any bank or credit card information that's linked to your PayPal account cannot be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. > If you have funds in your PayPal balance, we'll hold it for up to 180 days. After that period, we'll email you with information on how to access your funds. > We regret any inconvenience this may cause. No contact address, no escalation path, only vague rumors on internet forums of voodoo to get the ban lifted by the Paypal gods. They continue to send me daily emails telling me to link my bank account. Okay! And then a day or two later I get another email > My name is YYYY and I work on the PayPal Business team. I am more than happy to assist you with your PayPal onboarding journey. > So I understand the nature of your request. Could you please provide me with some additional insight to your business by answering the below questions. And a bunch of generic business area questions (what do you sell, what's your volume, etc). Are you kidding? You open by telling a fellow to get stuffed, then talk about journeys and assisting them?
LegitShady 4y ago
truthfully they did you a favor

hot_gril 4y ago

Same except I wasn't even sending money. Made an account years ago, never used it, got banned for life when I logged back in. Tried making a new account, but obviously they're able to detect that, so it wouldn't take any of my credit cards. I don't get how people use this thing.

iforgotpassword 4y ago
It works well until it doesn't, I guess.
- hot_gril 4y ago
  Probably works or doesn't. I was part of whatever small percent gets banned by mistake, whereas most people would end up using it and generate enough confidence in their algos to not get banned later. Whatever, I can live without the ability to purchase random crafts from Etsy.
tombolino 4y ago
there's a whole forum dedicated to how to create stealth paypal accounts, but I forgot the name

burnte 4y ago

I was banned half a dozen times. :D

m3adow 4y ago

That's why I have no money in my PayPal account and the only payment method is a credit card which I get a notification for when it's charged. I don't trust PayPal at all, but sadly, it's the least bad payment option in big parts of the european online shopping sector.

jacquesm 4y ago

Make sure to uncouple your bank account and phone from your Paypal account if you're really done with them.

thallium205 4y ago
Not good enough. You have to also put a stop payment at your bank against all PayPal transactions.
- burnte 4y ago
  I changed banks back in 07 over this.
- krenel 4y ago
  [EU/SEPA Only] If you have signed a B2B SEPA Direct Debit (SDD), it's enough to revoke it on your banking portal as you have mentioned. Your bank is required for a signed Mandate to be able to debit your account. If you have been debited already for a B2B SDD, you only have 3 inter-banking business days to try to Reject the payment (if your bank offers that as a service), afterwards the bank that has issued the SDD is not legally bounded to return the money. If it's a Core SEPA Direct Debit, there is not the concept of a "signed mandate" but according to the rulebook [1] you have up to 13 months [2] to ask for a Return. [_sigh_] I've spend so much team reading those rulebooks [1] https://www.europeanpaymentscouncil.eu/what-we-do/sepa-payment-schemes/sepa-direct-debit/sepa-direct-debit-core-rulebook-and https://www.europeanpaymentscouncil.eu/what-we-do/sepa-payme... [2] "If the request for a Refund concerns an Unauthorised Transaction, a Debtor must present its claim to the Debtor PSP within 13 months of the debit date. [...]"
- miroljub 4y ago
  Is thin an American thing? Can they just pool money at will? In the EU, if you revoke their SEPA direct debit permission, they are committing a fraud if they try to pull money, and 99.9999% of companies will not even try. If someone still does it, you can revoke the transaction in your online banking interface, and the company will then have to pay an additional fee to the bank.