dcatast

When I look at the history of delays, when old payments clear (example 1/4 on 1/17) new payments made that day seem to disappear. I have a bad feeling about 1/17 payments I made that didn’t arrive. 1/17 could be the new two weeks of money in the ether day. Hope I’m wrong! ... View more

My 1/4 did post today. ... View more

I don't think paymentus handles all payments. But I have no way of knowing.   in your history you may see that you have "bill pay" and "automatic payment" on different bills. I think they handle bill pay and automatic payment is handled by someone else.  When i pay american express, it's an automatic payment.  i've never had a delay for automatic payments, even for payments sent on 12/7 and other "ether" days. ... View more

if you think it's a delay from the holiday, sorry to break it to you.   paypal uses a company called paymentus to process their payments.  when you contact paypal - paypal says the transaction was completed because on paypal's side they see that they paid paymentus. from paypal's perspective it is complete. the reps don't know anything about bill pay and dismiss you as stupid for complaining about your money not hitting your biller. if you read the other threads on this board - you see the type of people they're dealing with, and they lump you in with them.   paymentus is a large processor that handles bill pay functions for many companies. from what i can gather, they submit a file with the day's ACH's in it. if for whatever reason that file has errors in it, the file is rejected. what i'm thinking is that there is no feedback loop to see if the file was accepted or rejected. (no idea why the file would be rejected). so if the file is rejected, those payments don't go through until someone recognizes it, finds the error, corrects it.   anyway, 1/4 payments were in status accepted and submitted yesterday on 1/10, just like 12/27... the fact they did not post like the 12/27 payments tells me the 1/4 file was rejected again and it will need to be corrected and resubmitted. ... View more

good news, payments will arrive today and tomorrow.   for weeks everyone i've contacted through paypal has been unable to provide any help or even understand the problem.   paypal's partner in this is paymentus, they were able to see transactions, realize they were not sent, and correct the issue. They acknowledged there was an issue with that day's payments (and 1/4) and it has been corrected. ... View more

oh no, looks like they have closed this case in the dumbest way possible.   "Hi! My name is Maritess from Paypal and we appreciate you in taking the time in bringing this to our attention. The case number CSTS0026560 has already been resolved today and funds were immediately made available n the recipient US Bank/Elan Financial Services - Consumer & Business Card Services Paypal account. I hope I was able to answer all of your questions today. Thank you for being the best part of Paypal."     ... View more

Your 1/3 payments not going through is the first I’ve seen of issues on that date. 1/4 is a known ether day. Were your payments on 1/3 after 8:10 pm EST non-published cutoff time? If so, for simplicity sake you can call them 1/4. ... View more

@knicks20 - sorry for your troubles. pound sand. - love paypal support   in all seriousness - 12/26 was not a day that has these delays - i'm guessing you sent after 8:10 pm EST - which would have been a 12/27 send for paypal (weird cutoff time i know).   I'm not sure what to do myself. I talked to someone who said if you have sent less than your states small claims amount you can sue paypal for the amount. Odds are that will either get their attention and someone will actually look at the problem or you will win very easily seeing that no one in paypal is capable of producing the required evidence (an ACH trace number) required to prove they have sent the payment (which they didn't send).   good luck, welcome to the paypal took our money club! population growing every day. ... View more

Payments made on 1/4 and 1/5 are also in the ether. Probably time for some cfpb complaints on 12/27. There’s no reason a company that sends an ACH shouldn’t be able to show the paper trail proof they sent the ACH (trace number). ... View more

@PayPal_JonK  this is now 6 business days and i've seen this exact issue chronicled on bogleheads.com as well - Dec 27th payments.   Payments made on 12/27 by all reports were not sent by paypal.   @PayPal_JonK - i'm not asking you if you know the answer, i don't expect you to, i've read your other responses and you seem very good at your job of solving peoples common problems. There has to be someone within paypal that should be able to say "we sent this payment, the ACH trace number is #############" can you find who that person is and put them in contact with me? ... View more

The thing that is most aggravating is the attitudes of PayPal reps that insist everything is fine when crowdsourcing data show specific days where the bill pay ACH’s were simply not initiated even though the funds were collected. “wait longer” or “we sent it and the receiving institution didn’t post it” are not acceptable answers. ... View more

payments made 12/27 - still missing payment to the same billers made 1/3 - arrived.   the biller has told me to get the ACH trace numbers associated with the bill pays since they received no payments since 12/27 for the amounts i've sent.   asking paypal for someone to provide a trace number for an ACH is like talking to something less intelligent than a brick wall.   the most common response from paypal is to have someone tell me "paypal doesn't make mistakes, wait longer", like @PayPal_JonK did, or "have the person running the billers paypal account look again." Of course, these payments aren't being sent to a paypal account, they are sending via ACH.   "Your account will be credited within 2 business days. To avoid late fees, pay your bill early." well today is the 5th business day and there is no evidence that the ACH has been initiated.   ... View more

@PayPal_JonK    you do realize this is not an issue of the receivers, correct?   if payments sent to multiple bills on the same day - none of them post. payments sent to the same multiple bills on the following day - all post. payments sent to the same multiple bills on the following day - all post.   this shows it has nothing to do with the receiver and that paypal isn't sending the funds via ach in the time communicated on the payment screen when you elect to send the payment. ... View more

bill pay sent on 12/29 have also posted while bill pay sent on 12/27 have not.   paypal clearly has issues with consistency - that's a best case scenerio. ... View more

Payments sent on 12/27 have not reached the target bill. Payments sent on 12/28 HAVE reached the same target bill.   I'm thinking there's a guy sitting somewhere in paypal that is just really really bad at his job in making sure the ACH file is sent. The recent weird observation is - the same day that missing money is found... payments sent that day go missing. ... View more

more data points - previously lost payments send on 12/21 have hit their targets on 12/27 and 12/28.     ... View more

I'm sending small payments to my ins. company every day in order to keep track. there is a new delayed day 12/21 payments sent 12/21 have not arrived payments sent 12/22 to the same bill have arrived.   someone is asleep at the switch at PayPal on Wednesdays it seems. ... View more

for those keeping score - paypal payments sent on 12/14 arrived on 12/21 and 12/22 (6-7 day posting times)   payment sent between 12/15 and 12/19 all arrived prior to those sent 12/14   paypal blames the receiving institutions, blames the sender, it's simply not the case. there are issue with the paypal bill pay service the reps do not understand or lack the understanding to comprehend the issues. ... View more