- Report: #1144051
Report - Rebuttal - Arbitrate
Complaint Review: Paypal
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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