Consumer complaint received 2016-03-29
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
This is my followup complaint for my initial complaint I am again stuck in the same problem i.e. I ca n't able to buy gift cards from Paypal 1. We all know that security problem is resolved based on the Paypal response ( can be able to purchase on XXXX XXXX XXXX ) so now what? 
2. I did n't make any profile change nor accessed from different location so now what? 
3. Now we all know there is increase in activity which means after my purchase on XXXX XXXX XXXX a decent expectation has been set for increased activity. 
Can PayPal able to prove that it is not really blocking people selectively from buying gift cards beyond reasonable doubt. 

Cheers Thiru Response On XXXX XXXX, XXXX, you created a PayPal account ( " PayPal Account '' ), at which time you agreed to PayPal 's user agreement ( " PayPal User Agreement '' ). 

From XXXX XXXX, XXXX to XXXX XXXX, XXXX, you attempted to send various payments to PayPal XXXX XXXX for the purchase of gift cards ; however, these payment attempts were declined through the PayPal system. Our internal security model prevented these payments from being completed as intended. While we recognize this can be a frustrating experience for you, this security system helps uphold the safety and integrity of the PayPal community. 

Our internal security system takes into account several factors to assess potential risk associated with a transaction. I 'd like to assure you that your security is our top priority. Therefore, we must take measures to help keep PayPal XXXX of the safest online payment methods. The following risk factors were identified, but are not limited to : Increase in Activity - You recently began sending multiple gift card funded payments for the purchase of gift cards through eBay and PayPal XXXX XXXX. 
Profile Changes - You recently made changes to your Account profile including adding gift addresses and accessing your Account through a new mobile device. 

This activity can be suspect of unauthorized account access within our system. As such, in an effort to manage risk, we made the decision to limit the ability to make payments. PayPal 's actions in preventing your transfer of funds was done in an effort to help protect your Account from unauthorized access. 

As outlined in our User Agreement at Section XXXX, " In order to manage risk, PayPal may limit the Payment Methods available for a transaction. In addition, Payment Methods may be limited if you make a PayPal payment through certain third party websites or applications. '' On XXXX XXXX, XXXX, you contacted PayPal Customer Service in relation to your denied payment attempts. The PayPal representatives attempted to assist you with completing your payments ; however, our internal security model prevented your payments from being completed. During the course of your phone call, a PayPal representative advised you that, due to the number of failed payment attempts, you may not be able to complete your payment as intended. Though this information is correct, we apologize for the lack of professionalism you experienced during that contact. We have used this opportunity to conduct additional training and coaching to prevent this from happening in the future. 

Further review of your Account shows that on XXXX XXXX, XXXX and XXXX XXXX, XXXX, you were able to successfully complete purchases to PayPal XXXX XXXX for the purchase of gift cards.

Company response to consumer: Closed with explanation