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smo727 · ‎Jan-06-2024

So the work around that I have figured out to get funds released as soon as they clear your bank account that you made the payment with is to… 1. Call PayPal customer service 2. State that the funds have already posted and been removed from your bank account (FULLY POSTED AND NOT PENDING) and you want the funds added to your available credit as of today 3. If they don’t just give it to you and say it’s on hold, then say okay then we can 3-way my bank to verify the charge has cleared and posted. If they say that isn’t possible ask for a manager. 4. They call the institution you made the payment with and verify the exact charge and that is has cleared (fully posted…NOT PENDING) the account (some small companies, like credit unions, do not allow 3-way with another business because of privacy even if you “okay” it over the phone). 5. Then they hang up on the institution and should give you your money immediately. 6. If they don’t give you your money and release hold after verification ask for manager and then they will do it. 7. Make sure it shows as available credit BEFORE you hang up. I had a few times spending 45 minutes with the whole ordeal then a representative hung up on me and it didn’t go through, then I had to do it all again. Absolutely abhorrent system used to collect as much of consumer money as possible to launder and put towards other investments. But I’m not about to cancel the card which will drop my credit… smh

smo727 · ‎May-25-2023

Question: Why hasn't my available credit on my credit card account been updated to reflect the payment if it is showing as completed? Situation: I made a payment on 05/16/2023 online and it's cleared my bank account (the same day) and even shows a "completed" status on PayPal's website. PayPal Credit Card payment postings are supposed to take no longer than 5 business days. Now I am being told it won't reflect as available credit until 06/02/2023, a full 17 calendar days (13 business days) later, nearly 3X the amount it should take! Moreover, I cannot even address the issue via the "resolution center" because the payment shows as "completed" and therefore has no issues according to PayPal even though a representative is showing it as being "On-Hold". This is supposedly because of "suspicious" payments being made, even though it was simply my full statement balance which is what I have done since opening the card several months ago. Has anyone else had this problem? Specific Comments On This Question: I think it is absolutely ridiculous and unnecessary. PayPal can hold onto funds for arbitrary reasons, then we should be able to charge them daily interest for them holding our credit & money hostage. They can take our money but God forbid if they give us any notice, any inconvenience credit/ gift back to our account for holding onto our money for an extended period of time other than it being paid in full! General Comments On PayPal's Processes (or lack thereof): Then when I go to put in a complaint with customer service there is no actual complaint with a confirmation number, but rather just a simple notification on the backend of a customer being unsatisfied with the issue. Absolutely no direct follow up or confirmation number. Never have I ever had to deal with such an incompetent credit card that does not have adequate processes in place for complaints, escalation, or sufficient reasonings behind issues. PayPal completely doe not have it's customers best interest in mind whatsoever and has an awful user interface experience. I see why so many people hate their cards for these reasons and I am strongly contemplating cancelling mine, if only it didn't have a negative impact on my credit or I would have done it months ago!

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Re: Available Credit on PP Credit Card NOT Reflect...

Available Credit on PP Credit Card NOT Reflecting