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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.
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.