PayPal Community

Thank you for explaining to me how payment allocation works. I don’t think you’re hearing my concerns. I understand everything that you’ve said but they don’t help me. This is exactly what I’m talking about, copy and paste answers and no one’s listening, really listening to the actual concern. 1) I already know how allocation works. There used to be an option where I can choose if I want to allocate towards my promotional finances or towards my high interest charges at the current time. you can no longer click the toggle to decide. You now have to call customer service to change this. If PayPal is going to correctly apply or allocate the money to the highest interest I’m concerned with after meeting the minimum do then I’ll trust it. That’s not always the case. 2) There are no reasons for PayPal Credit to resend any charges. Again with the copy and paste answers. No I’m not a new customer I’ve actually had PayPal Credit a.k.a. bill me later since 2008. I have $10000 available in credit. On my Uber account and on the PayPal Credit transaction it says PayPal Credit will be used first. After 20 charges going to my bank account instead of PPC I get very tired of having to call PayPal to adjust a transaction that should have gone through PayPal Credit in the first place. 3) Why would I contact Uber who will tell me to contact PayPal Credit who is billing me incorrectly or charging my bank account instead of PayPal Credit. Uber has my payment selected as PayPal Credit. It’s PayPal’s mistake. So why is PayPal Credit simply charging my bank account when PayPal Credit is set up as preferred. I am not a new customer, I have plenty of credit available, and good credit. 4) Thank you for trying to help but again, I cannot choose to allocate payments when I want. I would like to be able to have all the options that used to be available on PayPal open again. 5) Would anyone know what would happen if I removed my bank account so PayPal Credit was “forced” to use the credit and not my bank account? 6) PayPal MC and PayPal Credit are simply not one of the best credit accounts to have and the customer service is severely lacking. 7) I’ve been a customer since 2008 and nothing ever gets resolved and God for bid you have to dispute a charge, forget it. They open the so-called case and close it within two hours even when you have proof in hand. The one time I had a dispute it took me eight months of non-stop pushing for someone to actually look and see that the charge was not mine. I will add to this post if I find any credible information. Thank you and take care! ... View more

Please remember that if you have a promotional balance that is due and a minimum payment due you must make the minimum payment due and the entire amount of the promotional balance due to avoid interest on that promotional balance. I hope this helps. Anna ... View more

I agree PayPal is very frustrating to try to contact or have anyone understand what you’re asking. I will say that when I have a promotional payment due and a minimum payment due. I pay the minimum balance due and the entire promotional balance due to avoid that interest. I hope that helps. Anna ... View more

There used to be a setting on PayPal where you can choose how your payments were allocated. I can’t find this anywhere anymore. I just spoke with 4 customer service agents and they have no clue how payments are applied to your account! Two customer service agents said you just make your minimum balance and it’ll go to the promotional balance. Wow! I replied, you have no idea what you’re talking about. I can’t believe this is a qualified customer service agent! Have you ever tried to dispute something on PayPal. Don’t! Contact Synchrony bank. PayPal will just say they disputed and then the next day release it. Contact the bank directly on the back of the credit card and they will officially take care of it. I thought PayPal was all that but the credit card and PayPal credit are awful. To send money back-and-forth between friends and little things PayPal’s OK. I do have a lot of stock in PayPal that seems to be doing OK but I’m losing faith in PayPal day by day. I will continue to make four times my minimum due and I do notice that it does go towards my promotional balances, but I think that’s because along time ago when I first open the account I allocated my payments to go to the minimum due first and promotional balances second. Maybe one day when I have a lot of time to waste I’ll try and contact customer service again. Good luck! ... View more