PayPal Community

Something seriously wrong with PayPal Credit or with their customer service department. I was having a problem earlier this year with my PayPal account switching to PayPal Credit when making a purchase. This would happen even though I had changed the settings. I made a small $7.99 purchase in February and after the fact noticed that the charge had been applied to PayPal Credit rather than my checking account. I called PayPal and spoke to a rep who advised me to just pay off the $7.99. I did that and it appears on my account as being paid. Suddenly this month I received notice that I had an overdue payment of $14.99.  Did not make any sense because there was no record of a purchase for $14.99. Called customer service at PayPal and after some back and forth was told I was charged a late fee and interest on the $7.99. I said I wanted to protest the charge. This call was relayed to a supervisor who told the agent to tell me that the problem occurred because I paid the account too EARLY.  The supervisor would not speak to me only relay info through the agent. The supervisor said my payment "should" have been made on the 20th of the month and I paid it earlier so I would be charged interest for paying it too early.  They refused to remove the extra fees even though they could plainly see that the original charge had been paid. Instead, they refunded my original $7.99 payment the day of the call leaving me to pay a charge of $14.99. I paid it today rather than have it hanging over me but I do not know what to do as a recourse. Perhaps I am dense and can't grasp the logic of this. Is this how PayPal chooses to take advantage of unsuspecting customers by charging interest and late fees on an amount that was paid too early? This seems so wrong. ... View more