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Pay in 4 Denial - Unusual Activity and Double Charge

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markusamari
New Community Member
Posted on

I was attempting to get in on some Black Friday deals when they dropped and went to pay with PayPal Checkout and saw the new Pay in 4 option. I accepted all the terms and linked it with my debit card then it kicked me back to the merchant to complete the transaction... but it couldn't go through. I attempted again through PayPal but I was just going to use my card and this time it didn't even present an option for Pay in 4. I proceeded like normal and again the merchant said something went wrong and couldn't complete the order. At this point I was done fooling around with PayPal so I was just going to use my Debit card BUT because of the full purchase amount PLUS the Pay in 4 initial payment still showing on my account even though no transaction was completed, my account was slightly overdrafted and I couldn't complete my purchase nor can I use my Debit card for anything.

 

I tried getting a hold of PayPal customer service to clear up the pending transactions and saw that the reason that they denied my initial Pay in 4 was for "Unusual Activity" despite the fact that I have been regularly using my PayPal for all of my holiday purchases. This is a very vague reason and doesn't explain why they charged me the first Pay in 4 payment AND the full amount when the order isn't even being completed. Customer Service is a joke too with the bot and phone just being in an automated loop to keep you away from actually talking to someone for immediate resolution. I probably could have gotten a faster reply sending my help ticket through physical mail.

31 REPLIES 31

Pay in 4 Denial - Unusual Activity and Double Charge

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Boba_Sapphire
Contributor
Same thing happened to me as well, now i have authorization charges and customer service was lacking, i want to be able to use the pay in 4 option but after the same that happened to you it dissapeared and i dont know how to use it again. Did the problem ever get solved? im still waiting for the money to void back to my account.

Pay in 4 Denial - Unusual Activity and Double Charge

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Jamlynleg
Contributor
Same! Was yours fixed?!

Pay in 4 Denial - Unusual Activity and Double Charge

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Boba_Sapphire
Contributor
i got my money back but sadly no, i havent had the option to use it since then, i would just go with afterpay its a lot better and no authorization charges and **bleep** with customer service.

Pay in 4 Denial - Unusual Activity and Double Charge

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Staylord
Contributor
I am sorry I am responding so late, but the same thing happened to me. I paid all of my plans on time and was denied the option. I don't have the option to use the pay in 4 plan anymore. I think the way they kicked me off like that was terrible, and I am not sure how I feel about using Pay Pal at all now.

Pay in 4 Denial - Unusual Activity and Double Charge

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D89891
Contributor
This happened to me 2 and have successfully used pay in 4 with 18 other orders with no problems at all now saying unusual activity? What does this mean? So frustrating when I been loyal and paid on time!! This service has been so helpful through these hard covid times. How can I fix this?

Pay in 4 Denial - Unusual Activity and Double Charge

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Jamlynleg
Contributor
Same! Just happened to me & customer service doesn’t seem to understand what I’m telling them. Did yours get fixed?!

Pay in 4 Denial - Unusual Activity and Double Charge

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starbucks1222
Contributor

Have the same issue - and customer service hasn't been able to help... They have no idea what I am talking about. So annoying - Would really like pay in 4 back. 

Pay in 4 Denial - Unusual Activity and Double Charge

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chibi92
Contributor

just happened today, customer service said "try to check in about 5-10 days", I'm like wth, I've been using continuously

Pay in 4 Denial - Unusual Activity and Double Charge

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starbucks1222
Contributor
Day 12 and still not back for me.

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