Consumer complaint received 2016-05-03
Company: Paypal Holdings, Inc
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I payed my XXXX bill Online through my PayPal account to my PayPal Credit as I always do, which it does n't give you a confirmation # direct from the site but does tell you that the payment 's pending. I logged off & went about my business, about a week later I got a letter from PayPal Credit stating my account was past due, since I 'd made the previous months payment I was confused and called them which was around XXXX XXXX. The CSR who helped me told me the payment did not post and she arranged for payment to be taken from the account I have linked to my PayPal within the next day and I also asked her to arrange a payment to be taken for the XXXX bill which was coming due in about a week. I 'm very sure I told her to take the payments from my account ( XXXX Bank ). A day later I got a letter from another bank which I have an account but never use. The letter said I had an overdraft fee and upon going to the bank and asking about the charge they told me it was from PayPal Credit. I was even more confused since I never pay my bill with that account or even use it since last year and it was not linked to my PayPal account for over 2 years. I called PayPal Credit back on the XXXX XXXX to ask why they would have pulled from that account and the man I talked to was very rude and basically told me his supervisor had to listen to the tapes and that I would have to call back in XXXX5 days. I told him that I think they should be calling me back since this is their mistake and that XXXX5 business days was not ok with me since every two days another overdraft fee is assessed. I was on my way to work and after talking with this CSR I also told him that since I had set up another payment with the lady the last time for my XXXX bill I wanted to make sure that the payment would be pulled from correct account.. he said he did n't even see a payment that would be posting and since it was obvious this particular CSR was not willing to resolve my issue, I hung up. I again called the next day and explained to the lady I talked to that day how unsatisfied I was with their service and my issues of calling more than enough times with no resolution and how I have a XXXX baby and pay per minute to call them and that I have better things to do than call them every other day so they would fix their mistake.. She told me she would talk to her supervisor and they would listen to the tapes and call me back. No one called me back. A few days later after checking the delinquent bank account I noticed that on the XXXX of XXXX they tried to charge the wrong account again but the bank denied the payment because I told them not to process another payment to that company. I waited a few days and called them back since I still had not heard from them that guy that day had no clue what I was talking about and could n't even see the pending charges and payments. Calling the next day the lady that day promised she would call back on XXXX XXXX. They set up a new payment for the current bill from the correct account and she did call me back the next day but I missed the call as I am busy with a newborn. I again called back XXXX XXXX and they are still telling me to call back the XXXX. Which is almost a month from when they pulled the payment. The lady I spoke with today was not helpful at all and when I asked her about my current bill due and why the minimum payment due was now more than it ever was, she told me she could n't tell me why and that it was based on a 3 % percentage, I asked her if I owed less now than ever before, would n't the 3 % Percentage be less? She could n't give me an answer and put me on hold for a supervisor. This is like the 10th time I called, about the XXXX person I 've told my issue and have n't had resolution nor do I feel the company is trying to do anything, yet they can take my money and send bills with higher minimum payment due?

Company response to consumer: Closed with monetary relief