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Yep, I am the same as you, always use a credit card with paypal or anywhere else for that matter, much safer, you don't need a debit card do you.
Yes. It is simple economics. If there is a mistake with your debit card YOU have to fight to get your money back. With a credit card dispute THEY have to fight to get the money.
The only thing that is likely to get their attention a human being is to file a claim with their Agent for Service of Process in UK if that is how the courts work there. You have to do that here before you can sue them here so check the process there.
Here is my story
Hello! My name is Olga, I am from Kazakhstan.
I have an account in this payment system, which works in Kazakhstan. On May 25, money for the goods was transferred to me. The buyer confirmed receipt of the goods, everyone is happy. Since May 25, I can not withdraw my money on a visa card. Here the fun begins. Every time I try to withdraw money, I see the same message: "We're sorry. We're not able to process your request right now. Please try again later.".
I started correspondence with Paypal technical support. Paypal has repeatedly blocked my account and asked me to take certain actions to confirm my identity. I passed them.
- I confirmed my identity (4 checks);
- I have confirmed my visa cards;
- the buyer confirmed receipt of the goods.
The essence of the technical support answers was as follows:
1. They tried to answer me with common phrases that the Paypal security system blocks the possibility of withdrawing funds, since it believes that this is associated with risks for me, that this could be a fraudulent operation, etc. But what could be the risk if I want to withdraw my own money to my own personalized visa card? This is what nonsense. Moreover, I passed their checks... After my questions about the fact that this is unreasonable, they changed tactics.
2. They started checking my account. Several times they wrote me the following message: "From researching your account history, I can see that your issue has been resolved.". I was very happy that my account was fully operational and the problem was resolved. But I was very presumptuous. The withdrawal problem was repeated again and again ... I asked them, on what legal basis do they keep my money? What is the reason for this error? I did not receive an answer to these questions. They changed tactics again ...
3. I was offered to return the money to the buyer and deal with my money outside Paypal. This was the most professional tech support tip. I did not want to bother the buyer with my requests, but I was not sure that I could somehow get this money, because I do not know the buyer at all. I began to demand from Paypal an immediate solution to this problem. They again changed tactics.
4. I was offered to install the Paypal Here application, supposedly through it I will manage to withdraw money. I installed it on my smartphone. After authorization in this application, the system requested from me a code sent in an SMS message. Paypal has a problem that he confirmed: sending messages to Kazakhstan does not work for them, messages simply do not reach subscribers. They know this, but have not been doing anything for more than a year to solve this. Paypal holds huge commissions for money transfers, but they are not able to improve their service. In the courtyard of the 21st century ... As a result, I spent an hour of time, but could not solve my question.
Now they just keep silent ... I believe that Paypal illegally holds my money, he caused me a lot of trouble, caused me moral suffering ... I just wanted to withdraw my money to buy groceries for my family ...
Does anyone know the companies that will take on the case against Paypal?
PayPal has lost its way and strayed from the promises in their Code of Business Conduct and Ethics by trying too much to automate. When you contact them with problems it is almost impossible to get an answer from a real person and if my a miracle you do it is someone with no authority to solve your problem. You cannot afford to sue them in most cases unless you have a small claims system like in USA. Your only other option is to find who regulates them in your country and make complaints to the regulators. Then see if you can find a newspaper that is interested in human interest stories. Personally I am in USA and own PayPal stock. I have sent complaints to four of their regulators so far but that is slow to get results. I am sending them a stockholder proposal. It is qualified to force them to put it before the stockholders, so at least their management will be embarrassed in front of all the stockholders of PayPal. At last it will get the attention of the CEO and board which seems impossible in any other way. It is unlikely to pass but there is a chance and if not, the upper management will be aware they have a problem. Even though I have PayPal stock, I don't want the price of my stock to go up at the expense of **bleep** over people.