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PayPal demanding Social Security Number

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Frequent Advisor

Re: PayPal demanding Social Security Number


@LordHumungus wrote:

They want my SS# to pay someone else.  No way am I giving my Bday and SS# to some automated system.

 

And to those volunteers stating that you need to give an SS# to all financial institutions, PayPal is not a financial institution.  I sold a large item 2 years ago and it took over 1 year to get my money.  No protest from the purchaser, just multiple supposed lost checks and eventually no call backs from PayPal.  Had to get a lawyer and they said PayPal can pretty much do as they please with your money, they are not a bank or a financial institution and are NOT bound by the same regulations.  


pAYPAL does not have to be a bank to ask for some personal identification,if you want to use its service,then give them what they asked for,even a currency exchange place wants to see your driver license or some form of ID.

apply for a m erchant account from a bank,you get better service

Contributor

Re: PayPal demanding Social Security Number

FYI... Check U.S. Tax Laws... Because for PayPal to function as a legitimate business, it is REQUIRED to report any INCOME activity to the IRS. Therefore, if Your only tax identification is your SS#, then that is the number you must legally provide to do legitimate business through PayPal or any other such business. Transactions online are not exempt from basic legal requirements! It's not PayPal, it's all those before us who have used PayPal and such, and did not report there income to the IRS!
Member

Re: PayPal demanding Social Security Number

Actually, PayPal went out of their way, when owned by Ebay, to say they are NOT a financial institution. In fact PayPal itself still is not a financial institution, but is BACKED by another financial institution. My problem with this, is the following, when I joined PayPal, I was not asked for either my SS# or Birthdate. Now, somehow, they say they have my SS# and I must verify my identity. Yea NO! And I can still continue doing business just the way I am, but instead of being able to transfer funds to others, I must transfer to MY ACTUAL FINANCIAL INSTITUTION! You know the one I actually gave all this information to, on purpose! Perfect...carry on.
Contributor

Re: PayPal demanding Social Security Number

i am not an american citizen and don't have a social security number. i cannot use paypal anymore? Is it only for americans?

Contributor

Re: PayPal demanding Social Security Number

I believe that just like there are different versions of eBay (US, CAN, UK...) the same exists for PayPal. So basically, you're supposed to use the version for your home country. Hope this helped!
Contributor

Re: PayPal demanding Social Security Number

Not just the Social Security, but utility bill and drivers license. What happens when they can't protect your data. They say oops, You lose everything rebuilding your credit

Contributor

Re: PayPal demanding Social Security Number

Data breaches are the number one concern. Since PayPal outsources their call centers to Non-US territories that information can easily be breached. I always find that amusing when I get a call center representative that is in the Philippines. That's another soap box story for another day.

As far as the original topic goes recently ran into this myself with PayPals current deceptive business practices, from my perspective, after approximately three years of being a "customer" with their service and barely utilizing it. Apparently their third party system can't identify me. Eventually they changed their tune from the last four to the entire SSN. Makes me question the validity of their business practices and their services. In other words they are doing unsafe practices which contradicts their "motto".

The law is quite clear that if they can't prove that they are directly a banking institution, which they never willingly or easily provide because they aren't, PayPal goes on the list of ID Theft criminals. Assuming you are a citizen of the US, you may call Social Security at 1 (877) IDTHEFT and report them.

To prove they are a banking institution submit to them a W-9 requiring them to give their TIN and related information, and look up on the Secretary of State for California and Delaware. If PayPal refuses to remit the form to you then you turn them into the IRS for tax fraud. It's quite simple to do for any business. They are required by law to remit it to you or penalties ensue.

PayPal is also required to give specific U.S.C. reference when they claim "It's Federal law". If they do not they are again in breach of Federal Code and you are not required to give it under any circumstances. I would always suggest this in Certified Registered US Mail and not a web link. Web web documents are routinely fluid and can be easily manipulated by any entity to feed the Corporate greed.

If PayPal does not provide the appropriate refund in a reasonable amount of time PayPal, is in fact, money laundering.

Spend some quality time looking up the legal information, visiting your local DOJ, SS office, and of course never give them information without full written signed disclosure, legal documents, and reporting entities when they breach even on a phone call to them. PayPal has a history of not complying with Federal Mandates which is why, as a US Citizen, I will limit my usage of the PayPal system. No Terms of Use or Terms of Service may contradict Federal Code including the Privacy Act, Executive Orders, and other applicable law. However they'll attempt to make you think they can. If they fail to report these requests on demand then report them to the Federal Trade Commission. The more complaints against an entity the more likely they are going to be investigated for fraud as well as applicable felonies.

Just a few tidbits working as an Advocate and in the Criminal Justice system. Do the research for that information yourself and always verify, verify, verify when someone asks you for a SSN. Don't take my word for it and definitely spend more time on quality sites not volunteer based forums. Get involved with real agencies instead of pseudo-want-to-be agencies. Attempt to milk whatever information out of you will always be in the Corporate handbook so it can be sold, stamped on a lunch box, etc. The word is unscrupulous I believe that I'm looking for.

New Community Member

Re: PayPal demanding Social Security Number

This is a recent issue for me, I have had the account for many years. The account has a balance in it which I can now not access without providing my SIN. So PayPal now inherits my money? Surely that is fraud?

Member

Re: PayPal demanding Social Security Number

I just want to say, I have been using PayPal for the last two years to send friends money I owe them, like if we split hotel rooms or someone pays for a camping site several of us use.  I have never given them my SS # so why do they all of a sudden require both my birth date and SS#?! There are plenty of other apps such as CashApp which do a similar service and do not require a SS#. It seems shady. I luckily do not have any money sitting on PayPal, so I will just use another method. Sad that after using PayPal for years, I'll have to move on. 

New Community Member

Re: PayPal demanding Social Security Number

I've used PayPal for the past 9 years and I too just received a request to "confirm my identity". I can tell you I will delete my account rather than send them my private information such as birthdate and social security number. They don't need that information to process a transaction or refund through my credit card they have on file. If PayPal were to get hacked, they get my credit card info which is protected by the credit card company. If they get personal info like a social security number and birthday then I could have a real mess. If it can happen to one of the big 3 credit bureaus (Equifax), it can happen to PayPal. And I certainly don't like anyone having access to that kind of information just to "confirm my identity".