• Report: #1144051

Complaint Review: Paypal

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  • Submitted: Sun, May 04, 2014
  • Updated: Thu, May 08, 2014

  • Reported By: Final Straw — Minnesota
Paypal
Internet USA

Paypal sent me into overdraft and their explanation made zero sense. Cannot deal with them anymore. Internet

*Author of original report: Uh... yeah but no.

*Consumer Comment: Totally Your Error

*Author of original report: Paypal sent me into overdraft - and their response made zero sense. Done.

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I bought an item off of ebay for about thirty dollars. At the time, I knew I didn't have any money in the bank account attached to my paypal, so I asked a family member if I could use her credit card instead and I would just pay her back.

That's exactly what we did. Entered the number, waited for the transaction to be authorized, done.

Several days later I notice that instead of charging the card I gave them, they skipped that part and withdrew money from an empty bank account, pushing me into a huge overdraft.

When I wrote to them, I got back the explanation that the bank account was set as the primary form of payment, with this new credit card as a back up.

...

The mental gymnastics one needs to do to envision a world where one would have a bank accout - (which if you are lucky like me, keeps letting things go through even when the balance is zero) as Plan A and a credit card (usually limited) as Plan B are pretty advanced.

Most transactions on paypal go the other way simply because that makes sense. If you hit your limit on a credit card, use up your paypal balance etc - it draws from your bank account.

Why in the name of all that is holy would I add a credit card during a purchase on the payment screen if I wanted the money to come from my bank account? It boggles my mind. IF the payment screen has anything indicating that this is what will happen, it's not obvious and I definetely did not notice anything of the sort.

Just thought I'd add to the chorus. I had troubles with them before - enough is enough.


This report was posted on Ripoff Report on 05/04/2014 07:34 PM and is a permanent record located here: http://www.ripoffreport.com/r/Paypal/internet/Paypal-sent-me-into-overdraft-and-their-explanation-made-zero-sense-Cannot-deal-with-the-1144051. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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2Author 1Consumer 0Employee/Owner
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#1 Author of original report

Uh... yeah but no.

AUTHOR: Final Straw - ()

Not sure how you would know that, but no - I entered the credit card number in the form to PAY BY CARD. I went back again after this occured and the same options came up - just to double check I had not indeed made a mistake.

I didn't.

One has to go out of their way, or at least according to my payment screen options on this re-checking of circumstances (as to be completely frank I am the first one to eat my words if I see that I made a mistake, but I did not.) to select a bank withdrawal as the default. 

Little weird that someone random would shill for Paypal but I'll leave it be. Like I need more trouble from this/them. 

 

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#2 Consumer Comment

Totally Your Error

AUTHOR: coast - ()

You incorrectly assumed that the alternate funding source would be selected.

During the payment process you were prompted to select a funding source. You did not select an alternate funding source; therefore the default source was used.

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#3 Author of original report

Paypal sent me into overdraft - and their response made zero sense. Done.

AUTHOR: Final Straw - ()

I bought an item off of ebay for about thirty dollars. At the time, I knew I didn't have any money in the bank account attached to my paypal, so I asked a family member if I could use her credit card instead and I would just pay her back.

That's exactly what we did. Entered the number, waited for the transaction to be authorized, done.

Several days later I notice that instead of charging the card I gave them, they skipped that part and withdrew money from an empty bank account, pushing me into a huge overdraft.

When I wrote to them, I got back the explanation that the bank account was set as the primary form of payment, with this new credit card as a back up.

...

The mental gymnastics one needs to do to envision a world where one would have a bank account - (which if you are lucky like me, keeps letting things go through even when the balance is zero) as Plan A and a credit card (usually limited) as Plan B are pretty advanced.

Most transactions on paypal go the other way simply because that makes sense. If you hit your limit on a credit card, use up your paypal balance etc - it draws from your bank account.

Why in the name of all that is holy would I add a credit card during a purchase on the payment screen if I wanted the money to come from my bank account? It boggles my mind. IF the payment screen has anything indicating that this is what will happen, it's not obvious and I definitely did not notice anything of the sort.

Just thought I'd add to the chorus. I had troubles with them before - enough is enough.

Updated to fix typos.

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