This is a bs solution, it did not answer the question, it did not solve the problem, it did NOT provide any solution. Every Bank and/or Creditor, literally in the entire world, has the same security systems, that automate risks of whether account activity is POSSIBLY (keyword here) Fraudulent, and so it stops any future transactions, UNTIL the account holder contacts the company to ask why was this stopped, theyd say "our system detected a security risk, BUT if this transaction is legitimate and was really done by you, we can override the hold, please verify your identity with the last 4 of your SSN, and we have sent a security code to your LINKED mobile number, please provide" and BOOM you VERIFIED, and the companies release it! This TWO factor authentication process, is successful!, So the fact that Paypal tells you that once their security detects a risk for some RANDOM reason, there is no way to remove the block it creates. I've spoke to literally 10 different Paypal reps, 6 from Paypal and 4 from Paypal Credit SYNCHRONY Bank. They all say "we don't know how long the block will remain for, as of now you CAN'T use your Credit Limit you were perfectly granted and approved for".
I had a few lawyers look into this, SINCE Synchrony Bank grants the credit limit, THEY are the ones taking the risk and therefore THEY should be the ones to decide whether or not there is a risk and if a block should remain. Paypal does not have the right to do anything with Paypal Credit, they are NOT the bank, so please kindly BACK THE **bleep** AWAY and let us use our RIGHTFULLY approved credit limit. If we miss a payment, Synchrony Bank suffers NOT YOU!. Lawyers say, this type of hold violates the Credit Cardholders Bill of Rights, for fairness of credit use from a institution. Synchrony Bank reps say, if you have a $3800 limit, you allowed to use ALL of the $3800, you were approved based on your credit worthiness, you FICO score and history. The risk has already been assessed when we APPLIED FOR THE CREDIT AND GOT **bleep** approved. Where in that process does Paypal have the right to stop this? They have no right! There's some insight on how stupid your automated system that blocks the actual company from accessing, its like the Hitler of automated systems saying "No! your locked in here forever" and your like "but WHY", Hitler System says "because you made a risky $20 purchase, and your limit is $5000, waaay too risky for us to allow your rightfully approved by bank and credit bureaus credit account". and you say "How long do I have to stay locked up in here", Hitler System says "I don't know, as long as I feel like, even though I'm not carefully programmed to think this far, my job is to block and never know any answer from here on". and we say "doesn't that make the using of the card useless? since i got approved for it, have a hard credit inquiry and dropped my score 4 points?". Hmm interesting, a system created by a team of people, CAN'T be accessed or modified by the ACTUAL TEAM of people. 🤥🤔
PAYPAL GET WITH THE PROGRAM, YOU HAVE THIS POSTING SINCE 2017 and YOU STILL HAVEN'T RESOLVED THIS RANDOM **bleep** ISSUE!!
