PayPal

I purchased and returned an item to an eBay seller who refused me a refund. They said they never received the product. I provided shipping and tracking info to PayPal dispute resolution center and they said my tracking number was invalid which it most certainly was not. USPS confirms all info is accurate on the tracking. I will never use this service again for any transaction over $20 for fear of PayPal not providing buyer protection like they promised. eBay store was portraitp - beware of them as they do not stand behind their products and provide no refunds.

I sold an iPad in September. The buyer asked me to send a PayPal Invoice, which I did. On the 12th September I was due to send the iPad off but couldn't see the money in my account, so called PayPal. The advisor said the money was pending until I put the tracking number on the account and when the buyer gives positive feedback. I explained that I was in great need of the money so the advisor said she would do a review and within 24 hours she would get back to me to tell me when she would release the funds. So I sent the item off. 24 hours later no message so I called again to discover I had been scammed and there was never any money put into my account!

To cut a long story short a month on I am still battling PayPal. They say there is no footprint on my account so I couldn't have called, and when I rang on the 13th I didn't mention my previous call!!! Lovely being called as liar. I have been very ill hence selling my beloved iPad. The buyer is constantly pestering me to send him photos of myself and the police won't do anything and PayPal deny liability. Any suggestions?

I purchased a record from a site called Discogs. They act as a 3rd party venue for sellers to operate from. I ordered a record that shipped from China. I paid $20 for shipping. The record not only took a month and a half to arrive, but it also came damaged. Upon review of the shipping label the seller only paid $1 for shipping. I reached out to the seller to have them reship and they asked for $12 more for shipping. Since they only paid $1 for shipping I was not going to pay more for shipping, especially since it took a month and a half to receive. I asked for a refund and they told me to reach out to PayPal to issue the refund. I reached out to PayPal who opened a claim. Then I receive an email that I have to return the damaged record to the seller. When I went to send it back I found out it would cost me $62 to ship it back. I initially paid $40 for the record and an additional $20 for shipping.

I reached out to the seller and told him it was impossible and they stated that it was PayPal's policy. So I reached back out to PayPal to tell them a return was not possible because it would cost me more than the purchase was worth. The rep said they would arbitrate it and more than likely find this in my favor. He also started that the seller was the one requesting the return, not PayPal, so the seller tried to hide behind a false policy. Then, a week later, I receive notice that my case is being closed because I did not provide a rotten tracking number for the record. I already called and told them I could not provide that information as it would cost me more than the original purchase. I reached out to the seller who is ignoring me, Discogs is saying it is not their problem as they only provide the seller the space to sell and cannot control the seller's behavior. So again I call PayPal to appeal their ruling.

The rep told me my case was closed as I did not provide tracking information in a timely manner. I told them I called to explain why I could not return it already and they said it is not their problem and to contact the seller. So I escalated to the supervisor, who told me the same exact thing. So I escalated to that person's supervisor, who told me it is out of their hands if the seller is requesting a return. And that I need to return the item for a refund, which I again explained that would not be possible.

I asked what is being done to protect the buyer here and he said it wasn't his problem and that is the policy. I told him that there needs to be some kind of protection for buyers in these instances when dealing with disreputable sellers and he stated that has been their policy for the last 10 years. I told him that was a dated policy and poor business model and he simply said, "Is there anything else I can do for you?" I will never again use PayPal, or Discogs as they allow sellers to steal from honest people.

Paypal is a bunch of thieves. They stole $104 out of my checking account, causing me DAILY overdraft fees!!! I am a single mother of 2. I do not have the money to pay for THEM taking money from me unauthorized. When I spoke to a manager... they told me I would have to get a lawyer if wanted it fixed!!! I have had paypal for years. Many years of bad experiences. But this by far is the worse yet!!! This company has turned to **! I will get them paid, (because I am not a thieving piece of ** like them) and then I will never use them again. And if you are smart, you won't either. Save your money and don't let them scam you. They have many others. I see reviews about them taking people's money before. I overlooked it like a dummy... and now I am PAYING FOR IT!!! Please save yourself from also being a victim!!!

PayPal is a necessary evil. It's recognized by consumers and "trusted" overall. However, PayPal is also arrogant and untrustworthy. I authorized payment using my credit card on file, not a debit to my bank account. At around the same time, I received a payment from a client. PayPal deducted the payment that I had authorized for my credit card. The 2 transactions are unrelated - one personal, one business. As stated, the service is a necessary evil, only to be used as a last resort.

I sold the Samsung phone on May 19 2016 and now the buyer claims that there is something wrong with the phone and when I called PayPal that it's been more than 4 months now how can the buyer claims the problem. Now on Sept 29 2016, they says buyer have 180 days to claim and I can understand that but it's 10/5/2016, and PayPal customer care keep saying that they will make decision in 24 to 48 hours every time I called them. It's been 6 days now and they are holding my funds $461 for no reason and the buyer didn't even reply after claiming. I tried complaining to PayPal about this situation but they are not helpful at all. If the buyer was not lying he should have shown some kind of proof by now. This is giving me headache and I don't know what else to do. If this msg have been seen by any PayPal representative please contact me through email: **. Thanks.

In January 2016 My PayPal account was hacked into and I received an email stating I made a purchase to a certain person. When I called PayPal and ask about the purchase they told me it was a purchase overseas and I told them it wasn't me, that I had a charge I didn't recognize, and the customer service guy was arguing with me on the phone saying that I authorized the payment and I yelled at him and said no I did not. I had to call me bank to get my refund.

I emailed this company 3 times and called twice with absolutely no helpful responses and without even being able to talk to an actual human being. I purchased a computer monitor on eBay which turned out to be a fraudulent sale. At first the payment was pending on my account for over 4 weeks, during which I tried 5 times to cancel it and not one person was willing to help me. Now a fraudulent seller has MY money because of PayPal's terrible customer service and worthless purchase protection that is essentially non-existent. Be careful buying anything using PayPal and don't gain a false sense of security due to their "Buyer Protection" because it WILL leave you hung out to dry.

I bought a PayPal cash card to reload to my PayPal account. $500 they locked it up. They said I would have to send driver's license, ss card, copy of card I bought, receipt. All my info now can be exposed to everyone. They said I have to prove my id cause I live in Florida and bought the card in PA. I went to PA for my job. I have no bank up here so I thought the card was a good idea. They said it would take 3 days to prove my id, then they would release the hold on the card. Well I will be home by then. I wish I never bought this card!

I have been a PayPal customer for 11 years and every time a customer has a issue with a product, they always take the card holder's side. We shipped a engine to a customer who signed off on the engine when it was delivered. The customer calls back a month later and PayPal gave him his money back no questions asked. They said that he claimed the engine was rusty. It sat for a month! Of course rust will set in on a engine that sat for a month. PayPal decided that they would start holding 10% of every transaction we sold for 180 days. I called them and complained, so they shut my account down and they are keeping the $2000 they have on hold for 180 days. This is ** and I highly recommend you stay far away. I moved $1m a year through PayPal and they discarded me like yesterday's garbage.

I helped a friend purchase of furniture. She sent me the money through PayPal since it was faster than mailing a check. I had no idea they can hold funds for 21 days. This was not a business transaction. I was trying to help a friend. I called and spoke to customer service 3 times. Was on hold for over an hour and in the end they said they could not release the funds for 21 days. No matter what I said. I asked to speak with the manager's boss and I was told they would not talk to me cause it would be a waste of their time since there is nothing that can be done. Worst experience ever and I will be closing my PayPal account as soon as I get my money. I terrific way for PayPal to make money off me. Scam artists...

I have two Paypal accounts since 2009. It was a great service if no dispute from any of your customer. However, I have been lost so much money through Paypal due to following cases: 1. With all agreement you signed between you and your customer, Paypal did not even look at it. 2. In all my cases, as long as my customer put a dispute again any payments with us, Paypal always reverse it back to all customer, NO exception. Paypal saying, all these legal docs we signed is only can be used on court, not usable by Paypal.. Please away from Paypal. Please use Popmoney or other means. I have shared many of my bad experiences with Paypal with my Disney Short rental club (less than 100 members for now).

Please extremely careful when you do person to person money transfer. In my case, I made a typo mistake while typing an email address of the person who was supposed to receive money. The money went to other PayPal account holder. PayPal was not helpful in helping me to recover the money. The customer service is useless. Each person will give you different answer. I was able to recover my money after 15 days just because of one good customer service representative. I fully agree and understand, it was my responsibility in not doing a typo mistake. In my case, instead of typing "U", I typed "I". Both "U" and "I" keys are next to each other. These mistakes do happen. I had to spend numerous hours with PayPal but no use. Please be careful while using PayPal. Their customer service is "F" grade.

I signed up with PayPal thinking it would be a more convenient way to manage payments. I was charged over $70 in fees for the transaction AND I cannot access my money! I have to wait at least a week to deposit it from PayPal into my bank account. Basically, I'm paying a fee for a service that is complicating my life.

I hired a web developer and he wanted me to use PayPal to pay for a project. I paid for the custom website plugin and the web developer didn't deliver the plugin. The web developer said to take it up with PayPal so I did. I opened 3 cases against the web developer and PayPal closed the cases and said it wasn't covered under their buyer protection policy. I paid $600 and didn't get anything and PayPal won't help. WATCH OUT FOR PAYPAL.

Last week, Sept 2016, I did a simple transfer to PayPal so I could pay Netflix for my kids. They claim to be easy and fast. Liars should actually describe this company. It is not easy nor fast. They took the cash from my personal account the very next day after I did the transaction. It's a week a later and it's still pending. I messaged them about this and they said they group their transactions together and send them to clearing. Well I don't want to wait for them because they get more money from interest out of it and save money because they group all the transactions together. I expect certain service with you market the ease of using PayPal. So disappointed. Upset kids. And my money is making PayPal money just sitting there while I have to wait. And wait. And wait.

I have learned there are other options now for sending money which tell you straight up before you complete a transaction the fees and how long it will take. When I can mail a letter halfway around the world and it gets there before computers can process a banking transaction, there is a problem! Get with it PayPal! After this transaction goes through, I'm closing the account.

On September 20, 2016 I sent $2,199.94 to a friend. I sent it as a payment so it incurred $64 in fees to my friend for the transaction. Then she got a notice from PayPal stating that she could not get the money for 21 days because of a hold. The money I sent was done as an Instant Transfer and the money was immediately taken from my bank account. Because it was faster to send a check via USPS, I had her refund the money to me on September 20, 2016.

When I checked my PayPal account on September 20th, it states the refund is "pending" deduction from my bank account. However, when I check my bank account online it was deducted the instant I submitted the transaction. I still had to pay my friend the money so yesterday I sent another transaction, via Friends and Family option, and the money was instantly taken from my account. Paypal wanted to put another hold the funds sent, but my friend was able to access 50% of the money on the 21st and then have the remainder available on Friday, September 23rd.

I have attached an image of my bank statement from the 20th showing the deduction from my account. The transaction I did on the 21st was deducted "instantly". On the 21st I spoke to a "Gelani" at Paypal about when I would get my money back. He said that he was submitting the information for review and that I should see the money back in 24-48 hrs. It is now past that. I called again to Paypal, and the person I spoke with kept telling me that the funds had not cleared yet which is a big fat lie! How could they have given my friend 50% of the funds on the 21st if they in fact did not have the money from my account.

This is total scam and I will never use their service if it can be called that again. I they are holding my $2100 just to hold it. I have been with PayPal for at least 10 years - never any issues until I sent this $2100 transaction. I will also be writing the CFPB about them. If they want to call them self a payment method they need to step up their game. Do not send large amounts of money through PayPal. Use Western Union.

I ordered a product from an eBay seller and paid through PayPal. When I received the product it was not as advertised and I used the RETURN LABEL the seller provided in the shipment and filled out the return/refund information on the website. When I contacted the seller to check the status of my refund, they knew nothing about it but said if I could provide return tracking information they would refund my purchase. I explained they would have that information because of the RETURN LABEL they provided. After further discussion, they said they deal with these kinds of issues all the time and would refund my money if I would register my email address with PayPal. I told them my email address was registered with PayPal. They responded that they could not find my address registered with PayPal, could not spend any more time on this, had "to move on", and would not respond to any more emails.

I then contacted eBay, who told me that we were outside their timeframe to deal with this and that I should contact PayPal. PayPal insisted that I provide return tracking information. I told them the seller would have that information because they provided a RETURN LABEL. Even so, PayPal says they are not able to refund my money because they are bound to the user agreement which states that I must provide return tracking information. I say that because the seller provided a RETURN LABEL, we are outside that agreement and PayPal is absolutely able to refund my money.

I have made this complaint to the Consumer Financial Protection Bureau (CFPB) who was not able to resolve this. I have also complained through the Better Business Bureau (BBB), San Jose, whose final review of this issue resulted in them stating the company had addressed all my issues but "the customer was still dissatisfied". Since that statement was made without PayPal ever addressing the issue of the seller providing a RETURN LABEL which would provide the tracking information that is required, it appears that BBB is lazy, incompetent, or more than likely getting a kickback from PayPal for every complaint they blow off and give a final review in PayPal's favor. In fact, the issue PayPal kept sticking to was how frustrating it must be to receive a product that was not what I expected it to be.

They never went beyond that to the issue of the seller's RETURN LABEL. So now, the seller has both the product and my money and I am out both. And both PayPal and eBay acknowledge that a crime such as a scam or fraud has occurred because PayPal suggested that I contact local law enforcement and eBay suggested I contact the FBI. Don't buy anything from telesalesUSA/**, AKA e_pier, and Alicia, Samaria, and Abigail. Don't ever use Paypal or eBay because they not only do not provide customer service, they support and are a part of this scam.

I'm very disappointed with PayPal and they should not be in business at all. I was reading all the negative reviews and my question is why they are still in business. They need to be heavily investigated. The situation that I'm in is that someone put funds into my PayPal account and I was not able to see it in my account nor withdraw it from my account. People meaning workers needed to get paid based on the funds that was sent to me and due to this, they was not able to get paid. I called their customer service only to be told that on their end they was having technical difficulties and I should see the funds in 24 hours. It's still not in my account and these funds was already taken from the bank account from the person who sent me this money.

If PayPal was having technical difficulties or if their system was down, the proper way to do business and keep their customers would be to send out an email to everyone who has PayPal or send a text or call or something so no transactions would be made. This is causing a lot of headaches and it's not fair. I'm still awaiting these funds so those who worked hard can get paid. PayPal isn't doing right by families who has to pay their own bills. Please investigate and shut down this organization. It's not helping. It's hurting.

They put my account on limit/restriction I send them their request documents and they said they couldn't verify my information. Yet a week earlier all my information was verified so when I tried to activate my business card my account got locked in. PLEASE people find another payment method paypal is awful and they get away with it because people still use them, find another payment those are the worst!!

As a seller you are vulnerable and at the mercy of the buyer. If a buyer requests a refund even without a reason they do not have to send proof or the item back. I had a horrible buyer that harassed me daily after I sold to him. I know better by this point and know I have to "kiss his butt". One day my fiance was hospitalized and I was unable to keep the buyer happy that day. He was nuts. He went to PayPal and told them "item was as described". He didn't even send a complete sentence. I reply the same day it happened with the real story and that I had all proof and copies of the messages that has been sent back and forth through eBay. Overnight they sided with him and took the $350. Which in turn was all I had and caused me to have to leave eBay all together because it broke me. 3 years of 250 listings 100% feedback lost and meant nothing to help my case. I have yet to find the amount of business elsewhere.

The whole experience also ripped my heart out. I send hello kits and donate money. I worked so hard to build what I had. Now my PayPal account is in collections. This isn't the first time this has happened to me but it was never for such a big amount. It is clear that PayPal doesn't even review the case at all. And I don't understand how they are allowed to get away with taking my money without demanding a return or even talking with me further. I did my part and everything that was asked. I contacted by email many times and they never responded to me.

In regards to claim, I wish to file an appeal on the outcome of the claim. Claim state that I claim 179 usd but in claim description I did not claim that but I claimed 135.19 usd in the detailed description of my claim, which are the cost after an watchmaker assessed the damage. I only claimed for the repairs on item 135.19 usd far less than the 179usd PayPal said I claim... And I ask PayPal to send a link to upload pics of damage parts, but PayPal didn't respond to my message, I know PayPal said in its blog there is an upload button but I found none and Paypal did send me a link when I request it in the past. As can be seen the process was not fair and even though I complained in the message centre the full complaint were not considered and neither the fairness of the outcome. I did say and still say that I want to keep the item and let it be repair without sending it up and down from Russia.

As could be seen at the long wait for my item I waited 50 days, which if send up and down for repairs can be 100 days of waiting and I still will incur the cost. I don't wish to return the item since it is not damaged beyond repair. Therefore I ask for PayPal to reevaluate the situation on the description of claim I send in and secondly on the unfair outcome in not taking the whole situation into account. If you still wish me to go the extra mile to make the appeal more formal please send me a link to appeal, since I asked over and over again for such link - more than 7 times, please look into the messages I send after the unfair outcome - but got instead an message back from someone who clearly didn't took the time of reading the essence and the request in my complaint. The PayPal blog also complain that there is no link on the PayPal site for an appeal even though PayPal alleged so.

I spent over an hour trying to talk to a competent human being that was actually listening to me and using their brain to respond instead of reading a teleprompter. That was a fail. I spoke to several reps all of whom were idiots. One asked me if I was racist. lmao I just want to link my debit card account so I can make a payment on my PayPal connect card. I've been trying to do this for 3 months and every month I call and no one can find my account or help me. They keep transferring me to Synchrony Bank and they can't help me. So they transfer me back to PayPal cs. Idiots! They outsource these jobs to some third world country and pay these idiots who barely speak English $5/week ultimately taking away jobs from competent jobs.

Isn't that the whole point of capitalism? The best most qualified person gets the job or money??? Oh but with PayPal a multi billion corporation who outsources everything so they don't pay American people or American taxes and in return provide awful service. I am done with PayPal and the few hundred dollars that I owe them they can sue me for all I care. I have tried for 3 months to pay the damn account off and they won't let me so what am I suppose to do??? I can't talk to anyone who has a brain or knows English and paypal.com will not allow me to add my checking account to make a damn payment. I am done with this company and their awful customer service. Elon Musk and Peter Thiel are prob ashamed of what the idiotic CEO has done with the company.

The worst experience ever! STAY AWAY FROM PAYPAL! They are still in business only because of all the interest they earn holding our money. We have 5 payments showing COMPLETED on their end, but more than a week later these funds are still not in our account. The phone number on their website is only contactable Monday to Friday 9 am to 5 pm, while all other banks have a phone number you can contact from 7 am to 10 pm including Saturdays for emergencies! We will cancel our account with them as soon as the funds are received and will DEFINITELY not be dealing with them anymore! Very bad experience. Deal with PayPal at your own risk!

My account with them is all screwed up. They have taken money from my account but claim I have not confirmed my banking account. I have tried to get to a person to person help but I don't think they have a customer service department. JUST PAGES AND PAGES OF QUESTIONS AND ANSWERS TO OTHER PEOPLES PROBLEMS. I'm out $78.99 for a Roku 3 that was never shipped. NGUYEN ** is ahead $78.99 for dealing with a dysfunctional company being Paypal. With a pal like PayPal who needs friends?

PayPal recently charged me TWELVE TIMES for a single Google Play purchase. When I contacted them about it, every single person I spoke to was rude, unhelpful, and refused to admit even after getting Google on the phone with them that it was a PayPal error. Only after three days of calls and dealing with the rudest customer service representatives I have EVER dealt with did I get to some sort of "conclusion".

PayPal has the habit of withholding money I receive. When I contact them to let them know that I'm unable to transfer the money I received through them to my bank account they tell me that their Engineers are working on the problem. It seems fishy that they have no problem receiving the payment into their account yet transferring the money out is an issue. How is it possible that the issue is always in their favor? I think that they are scam artists who embezzle our money so they can invest it for their benefit. They should not be withholding our money. There is no excuse for that. Something isn't right with this company and I will look for other means to send and receive funds in the future.

I apologize for the length of my rant, but I want to convey all the facts pertinent to my complaint, in the hope that it will help others avoid losing money as a result of PayPal's sneaky, and in my opinion, unethical practices regarding their Pay After Delivery service. The reason for my score of 2 stars instead of 1 star is that I like the IDEA of having a service like PayPal, and I've been fortunate in that I have for the most part not had many problems in my dealings with them since 2003. That said, their customer service in my experience is truly awful, and every time I've needed to deal with them has been a colossal pain in the neck.

I'm currently having issues with Pay After Delivery, which is a service I like having as a safeguard when dealing with merchants that are new to me. I have been a heavy, frequent user of PayPal for nearly 14 years. Never ONCE has PayPal not received their money from me, on time and with no trouble. I've been using PAD for some time now, also with no problems.

But then about a month ago, I paid for something which was supposed to be PAD. PAD shows up automatically as my default payment option -- I don't actively or purposely CHOOSE to use PAD at each point of sale. Despite the Order Page clearly stating that the funding would be PAD, and despite the fact that I didn't see ANYWHERE on the Order Page where I could CHOOSE to use it or not, PayPal took the funds out of my bank account immediately instead of 2 weeks later.

Alarmed by this, I called PayPal. The agent I spoke with had no idea why this had happened. She never once mentioned there being a PAD limit. I believe she told me the exact opposite, that there was NO limit, except the one saying you can't spend more than $10,000 in a single transaction. She told me it was too late to do anything in the way of changing my funding source after the transaction had been processed, but she told me she was filling out a ticket or a report to give to PayPal's technical support team so they could investigate what had gone wrong in my account. I never heard back further about this. I continued to use PAD, quite often, and had no more problems with it.

Then, yesterday, I paid for 3 separate eBay transactions, with PAD as the funding source for each. I took screenshots of each Order Page before I hit "Place Order," something I've been doing since my first failed PAD transaction several weeks ago. I've made dozens of purchases since that incident a month ago, nearly all of them with PAD.

With everyone, 2 weeks went by just as expected, and then the money was successfully taken out of my bank account as planned. But when I checked my PayPal Summary today, I discovered that all 3 of my most recent transactions had NOT gone through as PAD, but each had been taken out immediately from my bank account. As recorded in my screenshots, I was not informed that I had hit a PAD limit, nor was I given any option to change my funding source and pay immediately (I nearly always use the mobile app on my iPad). I received NO emails explaining that I had hit a limit. So, back to the phone to discuss the issue with PayPal.

I was on the phone 2 HOURS and 14 minutes. The first agent made me explain every detail of my problem, checked my account and verified that it was in good standing, and finally decided that I needed to be transferred to the Dispute Dept. The Dispute agent made me explain every detail of my problem, told me that I shouldn't have been transferred to her department, but then revealed that PayPal's system will not allow more than a certain number of PAD's at any given time.

When I asked what the Magic Number of allowed transactions was, she told me that she didn't know, and that no one at PayPal knew either. The computer is in charge of this, and apparently the number varies from one PayPal user to the next. I had 20 transactions, totaling $1,268.55, but she insisted that the dollar amount was NOT the determining factor, the number of transactions was. One is due to be paid today, two will be paid the day after tomorrow, and another one is due the day after that. Unfortunately for me, although I had a handful of purchases ranging from about $50 to $200, which has been the normal pattern for me for 13 1/2 years, I very recently bought a large number of used sewing patterns on eBay, all from different sellers. These did not contribute much to the total dollar amount that I have outstanding, as each pattern cost between about $3 to $6, but they DID push the total number of transactions up.

Apparently PayPal's sneaky computer, or system, is not capable of considering subtleties or areas of gray, or mitigating facts, such as the very low dollar amount of each transaction or the fact that 4 much higher value transactions were due to be paid imminently. When I expressed my displeasure about me not being able to know the Magic Number that alarms PayPal's computer, the Dispute agent decided that I needed to be transferred to a supervisor.

The next agent made me explain, again, in excruciating detail, my problem. After much discussion, (which included her suggestion that I ask my sellers to cancel my orders and issue me refunds, despite the fact that I had explained that everything had already shipped, including one from France, so she wanted me to write an email IN FRENCH explaining my cockamamie request), with her actually agreeing with me that what PayPal had done was not very nice and not very fair, she put me BACK on hold (I spent an enormous amount of time on hold in between my encounters with different agents) so she could check something.

After being on hold for quite some time, there was ringing, and someone at EBAY answered. That this happened puzzled both me AND him, especially since I thought eBay and PayPal had parted company and are no longer connected to one another in the way they used to be. Then HE made me explain to HIM every detail of my problem, only to ultimately do what I had asked him to do in the beginning, which was to transfer me back to PayPal.

After being on hold another LONG time, I found myself not connected with the supervisor who was checking something for me, but rather back at square one, talking to yet another general, low level Customer Service agent. SHE made me explain every detail of my problem, AGAIN, before telling me that the name of the supervisor meant nothing to her, and she had no idea how to find her. What is the point of making sure you have the name of the person helping you in case you get disconnected if no one at PayPal can locate another person anyway?

So this new agent repeated the fact that there exists a Magic, Secret Number that ONLY the computer knows, and it's not sharing. She told me I would not be able to know in advance of a purchase whether or not PAD would be permitted. She tried to suggest that I was mistaken -- that surely I'd been given a choice at Check-Out between paying immediately or using PAD. Then she tried to suggest that my Order Page surely had NOT offered PAD, because the computer knew I had reached my Magic Limit. She had to concede that wasn't the case when I told her I had screenshots verifying what I was saying. Although, again, what is the POINT of having screenshot proof if PayPal refuses to honor what I view as terms of a contract that I agreed to at the time of purchase?

I asked this agent this question, as I had previously asked the Elusive Missing Supervisor. This latest agent then directed me to the following statement found in the Terms and Conditions that she pointed out, rather too triumphantly in my opinion, that I had agreed to when I first started using PAD, and which she strongly insinuated, repeatedly, that I had failed to read: "PayPal has the right, at any time and in its sole discretion, to terminate, cancel, suspend or modify the PAD payment option, qualifications or eligibility for PAD, or any buyer's ability to use PAD."

The agent said, repeatedly, in a Gotcha sort of way, that the key phrase was "AT ANY TIME," which, according to her, included in the middle of a transaction, and PayPal did NOT have to reveal this to me before I made a payment or placed an order. My take on "PayPal has the right, at any time and in its sole discretion, to terminate, cancel, suspend or modify the PAD payment option, qualifications or eligibility for PAD, or any buyer's ability to use PAD," was that PayPal was reserving the right to modify their terms, to which I don't object, and they were stating that they reserved the right to reverse their offer to allow the use of PAD to PayPal users who proved to be deadbeats.

It never would have occurred to me that they meant they could say one thing at the time of purchase and then do something entirely different, without informing their customer, and without explanation. This strikes me as bordering on fraudulent and, if not that, at the very least grossly misleading and downright sneaky. I did not need to pay the 3 eBay sellers as soon as I did. Had I known about this limit in advance of my payments, I could have easily waited the couple of days it would have taken for some of my older transactions to be concluded.

I find PayPal's arrogant choice to flag their customers' transactions as "unsafe" in such sweeping terms, not taking into account a customer's excellent track record with them, and their naked greed in pushing the use of PAD, which benefits them by forcing users of the program to have money taken out of their bank accounts rather than being able to use credit cards, which cost PayPal fees and which allow unsatisfied PayPal users the option of chargebacks, absolutely appalling. Their surreptitious manner of dealing with rather arbitrarily chosen perceived risk I am certain must have caused many customers to have incurred bank fees, which PayPal has no intention of reimbursing. They are almost in one sense a sort of Monopoly.

If there is a viable competitor of PayPal, it is not widely known and I imagine would have a tough time competing with the behemoth that is PayPal. And PayPal has somehow persuaded eBay to encourage sellers to only accept PayPal payments. There was a time when almost all, if not all, sellers on eBay would accept checks or money orders as payment.

My main complaint, however, is the flippant way this last agent kept repeating to me, "I'm sorry that you (meaning of course me) neglected to read this part of the PAD agreement." Not, "I'm sorry this happened," or, "I apologize for us acting weaselly," but insinuating that this was completely my fault, after I have been an excellent customer of theirs for almost 14 years, spending many, many tens of thousands of dollars using PayPal, which I'm sure has rewarded them handsomely, and which apparently doesn't matter much to them.

It says to avoid accrued interest to pay by certain day, how those the worked? When I pay one of my big purchase right after and notice it wasn't apply to it, I ask them about it, still paying high interest on my big purchases.