Consumer complaint received 2018-06-30
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I connected my bank to my Paypal account. Around XX/XX/XXXX i tried to make payments with the paypal card, pulling funds from my bank. it didn't work. I called Paypal reps twice a day, every day given new hoops to jump thought that never worked, until on the XXXX a rep told me I had to open a checking account because they claim my bank wasn't set up to allow paypal to take fund from there savings. I called my bank and opened a checking account, then transferred the funds I wanted accessed by paypal to my new checking account. That didn't work. I call paypal again and was told to have my bank express transfer the money to the paypal account. I called my bank they said that is what they did-Now my bank says PaPal initiated the transfer of the funds and paypal claims I made the transfer from the paypal account.I was using the calling both institutions and only know I didn't make the transaction, I authorize my bank to do it over the phone like I was told to do. After that not only did I not get the funds into my Paypal account. the funds were in limbo, pending. I again called a rep- they claim to record the calls, Paypal should have recordings of all of my calls-who told me she would expedite the pending transfer. that didn't happen. so on the XXXX I asked to speak a manager who was rude, was interrupting me and speaking down to me and told me that there was nothing she could do, paypal informs you that when you make a transfer it takes 5 days to clear the funds. I asked to speak to her manager, she put me on hold and after a long while hung up on me. i called again and asked to speak to a manager and he had the same belittling tone and attitude and said i was lying because I had just made the transfer on the XXXX and that how long it would take. I tried to explain all the hoops their reps had me jumping though since the XXXX, he said there were not proof of this, no notes on my account so I was lying. The reason I jumped through all of these hoop is because I am ill and and can't leave the house. my saving account doesn't have a debt card connected to it, that's why I connected it to the pay paypal account in XXXX. I don't have access to the attempts made though XXXX a grocery and drugstore delivery company in XXXX. but the manager could see them so pay pal has a record of that because everytime arep told me to do something I did it and tried to put though my delivery order everytime the order couldn't be processed cause there were not funds in Paypal. I insisted that they find a way to be accommodated and the manager XXXX refuse, I insisted he close my account He refused cause with funds pending the account couldn't be closed and the funds were not going to clear till the XXXX. Well that was a lie as well. on the XXXX the request for transfer hit my savings account, The account I originally connected with them in XXXX, and in XXXX as told Paypal couldn't access my savings account. well because I did as i was told by Paypal and opened a checking account, I transferred the fund I wanted on the paypal to the new checking account. Paypal considered the transfer FAILED, but my bank considered it a request on an account with insufficient funds and charged me an insufficient fund fee of XXXX it is XX/XX/XXXX and I am right back where I started, my bank card for the new account will take 10-15 to get in the mail. I still cant go to the bank buy even if I could my account is XXXX $ smaller. I don't have my meds or groceries but I have an overdraft fee.

Company response to consumer: Closed with explanation