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: https://www.ripoffreport.com/reports/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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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