Hi, this issue is not limited to new members, and does not only apply to customers who don't have a balance. I had received approximately $380 from friends into my paypal account prior to Paypal's March 29 initiation of their "Cash and Cash Plus" accounts. This cash seems to have disappeared. I hadn't transferred those funds to my bank yet, but I did not have any Balance noted on my login screen where I clearly should have had a balance. I thought if I took the extra step to create a PayPal "Cash Account" that the balance would show up, but it DID NOT. If you received payments from friends/family or commercially and you don't see those funds reflected in your balance, then I would check all your transactions against your bank and purchase records to see where it went. I had assumed that the balance might have been applied against paypal purchases of mine, but that does not seem to be the case. I'll update my status if it looks like PayPal did somehow apply my balance to other transactions, but I am guessing I will need to get PayPal to basically give this back to me. There's always a chance I'm overlooking something, but I don't think so at this point. If you received funds that you hadn't transferred prior to the Paypal Cash Account, I would check to see if you have that reflected in your balance.
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