Hello @momnpop1962,   Thanks for reaching out to the PayPal Community forums with your inquiry. I thank you for being involved and I'm sorry to hear about the difficult situation you're having with this bus trip payment. What @kernowlass meant was that PayPal does offer buyer protection for payments made via "goods and services" but not for "friends and family" payments.    You may check the payment type by clicking on the payment in your transaction details.  Here is a link  PayPal’s protection policies for your reference: https://goo.gl/HZVkpS. For additional assistance, you can reach PayPal customer support by Facebook , Twitter , or phone or email .   ... View more

Hello @twnhstnut,   Thanks for reaching out with your excellent question! I appreciate your participation in the PayPal Community forums. First, I would like to clear up something up about how PayPal processes payments and how it would appear to the merchant. If a merchant receives a payment through PayPal, the merchant does not have a way to know that they are receiving a credit card payment. One of the benefits of using PayPal is that your financial information is not provided to the merchant. Merchants do not have a way to decline credit card transactions. I would highly recommend not sending payments as a personal payment because that would void your buyer protection. Disreputable sellers will ask customers to send personal payments to avoid seller fees and this would make you ineligible for seller protection. Sending money to your wife's PayPal account using your credit card to make this payment may trigger our security measures and will cost you a fee. I would recommend not pursuing this course of action. I hope you will find this response helpful.  ... View more

Hello @Kaiben,    Thanks for reaching out to us about this unrecognized payment. I know this is an alarming situation and I would like to offer you advice to resolve this issue. If the payment does not appear in your PayPal account, that would indicate that this was a guest transaction. Guest transactions are made by entering in the credit or debit card information along with the billing address at checkout. If your email was used, you would receive a receipt for this payment the day it was processed.  For more information, I would recommend reaching out to PayPal customer support. You can reach customer support by Facebook, Twitter, or phone or email. ... View more

Hello @Shecat,   I'm sorry to hear about the unauthorized activity in your account. I know unrecognized billing agreement payments can be alarming. You may file an appeal by contacting PayPal customer service with your request. If the Resolution Center is not allowing an appeal, please contact customer support to report the activity, so a representative can open the claim manually. You can reach customer support by Facebook,  Twitter, or phone or email. ... View more

Hello @banirox,   I'm very sorry to hear that. It sounds as if someone may have compromised your PayPal password and changed your account language. I know that can be alarming but don't worry, PayPal offers protection for unauthorized activity. I would advise you to contact us through our customer service channels as soon as possible to resolve this issue.   You can reach PayPal customer support by Facebook , Twitter , or phone or email . ... View more

Hi @dejaland,   Thanks for reaching out to the PayPal Community forum about this issue. I'm very sorry to hear that these transactions from 2013 were not caught until now! I know that must be alarming.   Regrettably, PayPal offers protection for unauthorized transactions if reported it within 60 days of the unauthorized payment being made. This is consistent with most financial institutions. I would encourage you to reach out to your bank for additional assistance.    If you have any account-specific inquiries you would like to make, you can reach PayPal customer support by Facebook, Twitter, or phone or email. ... View more

Hi @IsSusan,    Thanks for reaching out to the PayPal Community for assistance. I'm afraid that I am personally unfamiliar with those companies but I do know what a VPN is. A VPN is a "virtual private network" that is intended to mask or hide your IP address. It is basically a way to surf the web anonymously. If you're paying for these services as a billing agreement, it could be that someone subscribed to these services using your PayPal login information.    If you are unfamiliar with this type of service, I would check with any family members who have access to your PayPal account information. If no one is familiar with these payments, I would highly recommend canceling your billing agreement and reporting these transactions as unauthorized. Here are a few helpful links for this process.     How to change password and security questions: https://goo.gl/MgzaKS How to report unauthorized activity: http://bit.ly/20LJi5x How to report a billing issue: https://goo.gl/AitrMx How to review and cancel your billing agreements: http://bit.ly/2mXolKx     If you wish to contact PayPal customer service, you can reach customer support by Facebook, Twitter, or phone or email.   ... View more

Hello Shadowelva,   Thanks for reaching out to the PayPal community for answers about reporting unauthorized activity. I know how alarming situations like this can be. I want to assure you that you are 100% covered in situations with unauthorized account activity.   I see that you have reported this transaction as unauthorized. That's great! You should receive an update on this issue within 10 days. The fact that the funds were transferred to another account shouldn't be a factor in PayPal's resolution for you.   For anyone affected by having their PayPal password compromised or if they are concerned about unauthorized activity, the following links should be exceedingly helpful.    How to change password and security questions: https://goo.gl/MgzaKS   How to report unauthorized activity: http://bit.ly/20LJi5x .   I hope this issue is resolved very soon.  ... View more

Hello everyone,   Thanks for reaching out to the PayPal Community forums about this issue. I'm sorry to hear about these unrecognized Xoom transactions. I know how alarming seeing a payment you don't recognize can be. Xoom is a PayPal owned service which allows our customers to send international payments. A customer can log into the Xoom website with their PayPal login information and make a Xoom transfer. If a Xoom transfer has taken place without your authorization, this means that someone may have compromised your PayPal password and that you should change that information as soon as possible to resecure your account.    Unauthorized Xoom payments must be disputed with Xoom directly since they don't appear in your PayPal account history.      Here is a link to the FAQ site for Xoom and how to reach their customer service: https://www.xoom.com/marketing/paypal. ... View more

Hi @Brody2,   Great question! Thanks for contacting us about this payment. Generally, when a payment has been sent, you should see it update your PayPal balance immediately. You always want to check a received payment to ensure it says "Complete". If it says "pending", the customer may have sent an eCheck that has yet to clear. It is important to wait for an eCheck to clear before providing the service or sending the item. Please check the transaction details on your end to ensure that you have received the customer's payment. If you have not but the sender is adamant that they sent the payment, I would encourage them to contact PayPal customer support for additional assistance.  ... View more

Hello @stephestv,   Thanks for reaching out to us about your Buyer Protection Inquiry. I'm very sorry to hear that you have not received your preordered item from this merchant after a year. That is understandably frustrating. PayPal's purchase protection policy for "items not received" covers you up to 180 days or 6 months. As described on our purchase protection policy page, what’s not covered with PayPal Purchase Protection: Disputes filed more than 180 days after the purchase of an item not received and significantly not as described claims. I'm afraid your best bet to dispute this charge may be contacting the merchant directly or working with your financial institution.   Here is a link to our protection policies for your consideration: https://www.paypal.com/us/webapps/mpp/paypal-safety-and-security.  I'm sorry to hear about this issue and I hope that the merchant will do the right thing.    ... View more

Hello @CaRheeaT,   Thanks for reaching out to us about your Instant Transfer inquiry. Instant Transfers are user-initiated payments funded by your bank account. PayPal pays the merchant on your behalf and then waits for your bank to finish processing the payment to pay PayPal back.f for the money PayPal sends immediately at the time of the purchase. Basically, it is kind of like a very short-term loan. No additional fees are levied for the use of this service. Here is a link on our website for more information about Instant Transfers: https://www.paypal.com/us/selfhelp/article/how-do-i-send-an-instant-transfer-using-my-u.s.-bank-account-faq781#personal.    ... View more

Hello @Yupthatsme,   Thanks for reaching out to us about this limitation issue. I'm sorry to hear that your PayPal account has remained limited for an extended period of time. Usually, it takes about 3 - 5 days for a limitation to be reviewed and resolved. However, you must be sure to resolve all the limitation steps in the Resolution Center or the information you provided may not be forwarded for review. If you don't have a particular piece of information that is being requested, you may also upload a document explaining the situation to have the review process initiated. Any updates regarding your limitation will be sent to you via email and your PayPal secured message center.   I hope this information proves helpful to you in having your PayPal account permissions restored! ... View more

Hello @StressedMember,   I'm sorry to hear that you had charges take place on your account that you didn't make yourself. That is certainly alarming. Have you filed unauthorized transaction claims? If so, what was the outcome? If PayPal finds evidence of unauthorized account access to your PayPal account that resulted in these purchases, PayPal would provide payment protection to compensate you for the lost funds. PayPal can also provide a letter to your bank to have the bank waive any overdraft fees associated with the payments as well.    I hope this matter is resolved soon.  ... View more

Hello @aantiers and@ejgerr28,    Thanks for reaching out to the PayPal Community for assistance in resolving this limitation. Please understand that this is a Community driven forum and that no account-specific advice will be offered.   However, if your account remains limited after uploading documentation, it may be because a document or steps was rejected. You can check your PayPal message center and email for updates regarding your limitation. If a document you have uploaded has been denied, you should receive an email with more information to guide you through the Resolution Process.  ... View more

Hello @Mattf26, thanks for reaching out to the PayPal Community about this troublesome bitcoin sale. I'm sorry to hear this happened.   I will tell you that the sale of bitcoins via PayPal is a prohibited activity and could result in your account being limited. Selling bitcoins is a violation of our acceptable use policy as they are considered a "cash equivalent". I don't have any advice for you on how to resolve this dispute but I highly recommend not using PayPal to accept payments for bitcoins as there are no protections offered and this high-risk activity could result in limitations being placed on your account.    I sincerely hope that you and the buyer are able to amicably resolve this issue.  ... View more

Hi CWI2007, thanks for reaching out to the PayPal Community for answers to your inquiry.   This sounds like a hold is being placed on your payment. We may place a temporary hold on some payments if you're new to selling with PayPal, if a dispute has been filed against you, or if we have questions regarding your transaction history. I understand that this item was picked up in person by the buyer. You can review the transaction details and mark the payment as processed. Learn more about holds here: http://bit.ly/1MSQ0hO ... View more

Hello @britsidy, thanks for reaching out to the PayPal Community with this question. If you click "Help & Contact" at the bottom of most any Paypal page, you can click on the option to "Call Customer Service". After that, you can log into your PayPal account or receive the customer service number as a guest.  ... View more