Consumer complaint received 2015-11-08
Company: Paypal Holdings, Inc
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Paypal switched my account to a credit account without my knowledge or consent. I started receiving persistent phone calls from an unknown number sometime in XXXX, 2015. After an incredible number of calls night after night, I finally had to answer XXXX of the calls in an attempt to stop the nuisance. After responding to prompts from a computer, a real person came on the line. She told me she was with Paypal and if I would give her some personal info she could tell me what their calls were in regards to. I would not provide her with any information since I had no idea why PP would be calling me at all or if indeed she was with PP. I will say, however, that she was professional, but would not tell me what the nature of her position was with PP ( e.g. collections, security, promos ). She advised me to go to my online account and see if there was anything amiss ( my word ) on the account. This is how I discovered that I had over {$100.00} on a PP credit account, including interest charges and {$25.00} and {$35.00} late fees. 

I disputed as many of the charges as I could and ultimately received credits for the charges ( apparently not the fees however ). After giving it some thought though I realized that the charges were in fact legitimate and it was the PP credit account that was the scam. I will attempt to reach out to the merchants next week to reimburse them directly if at all possible. 

Today, XXXX/XXXX/2015, I received an email from PP that I had a {$35.00} min payment due on a {$52.00} balance. This is the first contact I had received since the XX/XX/XXXX/XX/XX/XXXX occurrences. I had no idea what this was about. When I went online to my PP account I discovered that the {$52.00} included a {$35.00} late fee from last month, a {$2.00} min interest charge, and some leftover purchase charge ( s ), although for what is anyone 's guess. I stopped using PP altogether after the earlier episode. 

I called PP customer service. I was transferred to the credit people. The man " offered '' me a one-time " courtesy '' of a {$35.00} credit for the late fee. This left a {$17.00} balance. I wanted to wait to see if indeed he had issued the credit until I paid, but he informed me that after today there would be another {$35.00} late fee applied - and of course - no " courtesy '' on this one. He wanted me to give him my checking account routing and account number, but I would n't do it. I was able to pay the {$17.00} via the PP website from my account login. I would say that judging from his tone I was not the first caller to have this conversation with him. He was not unpleasant, but I felt that he was controlling himself, actually better than I was. 

This is a huge disappointment as I have used PP for as long as I can remember. Why eBay would do this to thousands of loyal customers is unimaginable. If you or someone you know has been a victim of PP credit please speak out and file a complaint. Let 's hope they pay both in real money penalties and in the marketplace.

Company response to consumer: Closed with monetary relief