I have recently been denied for Pay in 4 due to "Number of denied debit card payments using your paypal account(s) in the last year".
Now for background, I have been utilizing Pay in 4 for about a year for two vendors for my small business. In the past year, I have successfully used Pay in 4 for approximately a year with about $15k in transactions that I have paid off. However, I was in a bad car accident and hospitalized for more than a week and in that time my card was charged for refunds, bills, etc without me being able to transfer money in. Since getting out, I have transferred money into my account and have paid outstanding bills not able to be charged (four of them) and even paid ahead like I normally do.
My question is simply will I be able to use it again in the future? Because based on the response of "Number of denied debit card payments in the last year" I would assume that it wouldnt matter if it is 2 weeks, or 8 months from now - It will continue to say that because of those four missed payments that I will be denied because they happened during this year. I understand it is computer generated decision. I understand they cannot see the decision. I understand they cannot review or overturn a decision. However, it would really be disappointing if 4 late payments due to me being in the hospital, despite a year of successfully paying 15K with Pay in 4 would disqualify me from all future orders this year with it only being March all because of this.
I only use this for two vendors because they do not have net 30 option for me and my small business. I do large orders because it means free shipping and discounts on my order total for ordering in bulk. I get that things happen, and maybe I am out of luck moving forward and need to suck it up. But I cannot get a straight answer from anyone.
When I call, I am told they cant review or overturn decision - not what I asked for.
I am told that I can continue to make attempts, and to ensure I have funds in my account so this doesnt happen again - Cant really apply if it doesnt show up for me anymore
I am told that future purchase requests will improve my score with approval - cant get approval or make future requests if I am denied and it doesnt show up.
I am told that there are many other factors that are used and that denials hurt me - but the only way to try is to apply and I cannot know whether I will be denied or not.
None of this makes sense. One guy nearly kills me on the road while they were drunk driving and now I am **bleep** out of this as well.
