Ok, I found out in a very stressful way the rate given through PayPal's 'Currency Conversion Tool' is indeed the 'exact' same rate as given through your account and of course if you were to purchase an item so at least I know I don't need access to my account in order to know PayPal's exchange rate on a given day. I'm going to try and file a complaint against PayPal regarding access to my account by following the advice found on the 'FairShake' Consumer Rights website: If PayPal’s customer service isn’t getting to the bottom of your complaint, the company also offers a way on its website to file a formal complaint. You can do this by going to PayPal’s “Contact us” page and clicking “Feedback and formal complaints.” From there, you can choose from a number of categories. Choose what best fits your complaint out of: Opening a claim for an item you never received or that didn’t match its description. Managing your profile and transactions. Complaining about the decision made for a dispute you filed. Complaining about poor customer service you received. Complaining about a limitation on your account. Complaining about PayPal policy or a product feature. Complaining about a transaction. Filing a formal complaint will open a ticket with PayPal’s customer service that you can escalate as needed. In my case the relevant category would be 'Complaining about a "limitation" on your account', but also perhaps 'Complaining about a "PayPal policy" or a product feature' since PayPal are "forcing" me to participate in a 'verification' process that asks for information I'm physically unable to provide in order to access my account! Especially when I've already been verified by providing account information known only to myself as the rightful account holder i.e. my phone number and bank account number. Further that in the past there was an option to 'forgo' this secondary verification by the inclusion of a 'Not Right Now' button - which has now been removed! I'm assuming I can select only one of those categories in lodging my complaint so perhaps I'll lodge my complaint twice - once under "Complaining about a limitation on your account" and again under "Complaining about a PayPal policy or product feature" since both equally apply!
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