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It is obvious that the really don't care...or they don't have a clue how to market a program. If they took the TIME to research anyone who complained...especially those that have been active users of PayPal for many years...they would have a way to send an AUTHORIZATION directly to those members. If they have a way to (and you know they do if they wanted) ...check on how many users were DENIED without resolution, they may find a significant statistic that needs to be addressed. In this day the companies that really care about the customers are hard to find.
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Your explanation is so complicated, it's a wonder anyone can use the program. I simply have perfect credit, no outstanding debts, no balances on credit cards, and a PayPal account that has been active over ten years. I applied to the program to defer payment on one purchase in order to get a $10 credit, and was denied. My confidence in PayPal is diminished by the poor performance of your marketing this product.
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After many emails from PayPal, I decided to try the Bill Me Later option. I have great credit and no problems, but the $10 rebate for trying it tempted me. Unsuccessful in getting the Bill Me Later, I received a "unable to authorize" message. So, they spend a lot of money and time on a project, yet the customers they want aren't able to use it. Sounds like poor management.
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