Can't link bank

[terrym2442]

I have called Pay Pal too many times to count because they removed my bank as a source of payment and claim they can't do anything about it because it's an internal system. At first, they blamed my bank. My bank said it was a Pay Pal issue. This has been going on for months and I use Pay Pal for my business and am now frozen. Please- can an admin here help me solve this? I am in the USA and at first, it didn't let me pay someone in Canada; now, I can't use it for anything and my whole business will shut down if this isn't resolved.

[kernowlass]

@terrym2442 

If you have had a failed bank transfer or negative balance then paypal will remove your bank for use in the future and force you to use the safer (for them) card.

If that is what has happened then can't you just add and confirm your debit card instead for use with your bank account?

[terrym2442]

Thanks for your response.

Every time I call my bank and Pay Pal, they have a different reason for this: my bank said it is a Pay Pal issue, then on later calls, discovered there was a hold on a payment that had been accidentally charged twice. They "released" the hold a few days ago. This, after many calls to them and being told it ws all a Pay Pal issue.

Many calls to Pay Pal and they blame my bank for putting a hold on them, not allowing them to have my money sent to them; that they- Pay Pal- have been paying people I've sent money to (initially a contact in Canada) and aren't getting money from the bank. During these times, I would then have a negative balance and would feed more money into my wallet from my bank account to remedy this. But now, they simply just removed my bank as a source, which means I cannot deposit PP money in my bank account, nor can I send money or accept money.

I don't have an ATM card associated with this bank account. BTW, I've had this account for over 20 years with PP and never had this kind of problem and yesterday, they told me their hands are tied because it's an internal security issue that they can't access. I am stumped but if I can't solve this, my business will shut down. I'm searching for alternatives, but PP is the most "trusted" system and my clients are pretty comfortable using it. As *was* I.

Do you think getting an ATM card associated with my bank acct. will solve this insanity??

Thanks!

[kernowlass]

@terrym2442 

Well getting a debit card linked to your bank account should work as you can use that as a funding source which will debit your bank account.

Also you should be able to add funds to your balance if you want to via a debit card in your country.

 https://www.paypal.com/us/cshelp/article/how-long-does-it-take-to-add-money-from-my-bank-HELP128

[terrym2442]

I think that's worth a try. One concern is: PP stopped allowing me to send money to a friend in Canada (I'm in the USA); do you think that'll work using a debit card connected to my bank account? Thank you so much for your help!

[kernowlass]

@terrym2442 

If its the funding source ie echeques from a bank account that was the issue then sending the payment to your friend in CAD from a debit card as the funding source should work.  🤞

[terrym2442]

PP says it’s my bank account but they can’t explain why or that they can fix it. So, the debit card would be associated with that bank account. Do you still think that could work?

[PayPal_Bindu]

Hey @terrym2442 

Thank you for writing in the PayPal Community!

I understand you're worried about sending payments using your card. As @kernowlass mentioned if there's any failed transfer, PayPal system may disable the bank account from your PayPal account to avoid risk. Your card can still work and you can try to make payments with your card. You can check the articles here to link and confirm your card in your PayPal account. 

Thanks for your help @kernowlass!

Hope this information helps,

Bindu

[terrym2442 · Accepted solution]

Bindu,

Thanks for checking in. PP did indeed remove my bank account due to some sort of security issue that I still can't make sense of. I've called Support (and my bank) many times to try and resolve this and finally asked to speak to a senior support person at PP who did call me back.  They were able to re-connect my bank to PP but it was suggested that I not send any payments to Canada (this is how it all started- by an accidental double payment I sent to someone in Canada and I must have tried a stop payment or something- I'm still not sure what happened because my bank saw a red flag on a business that tried to take money out of my account- long story). 

At any rate, it *appears* that it's back up and working, but I'm holding my breath because this happened before and it was shut down. So...fingers crossed that this is now resolved, other than not being able to send money to Canada. Of note, this has been going on since June or July, so it pays to persist.

[terrym2442]

PS

I didn't have an ATM card associated with this account but was about to get one if my last attempt didn't work.