I too would like a permanent solution. This should be opt in and not opt out anyway. And then when I try and go to make a formal complaint I end up in an endless loop in the help centre which is why I'm here. This page (https://www.paypal.com/nz/smarthelp/article/how-can-i-make-a-formal-complaint-to-paypal-faq2016) says there will be a drop down menu to make a formal complaint. There isn't there is just a bot that keeps sending me to the same page. I am furious.
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