Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc (MI)

This is my response to : XXXX from Paypals Global Customer Complaints & Advocacy with the CFPB complaint : XXXX. 

My PayPal Mastercard does not show as a payment method when using " Pay with Paypal '' at any sites checkout since XX/XX/2023. 

You suggest the following : 1 ) " We recommend that you check the PayPal Card details that you provided in your Account to ensure that the card number, expiration date, and billing address are correct and up to date '' -The paypal mastercard is something that is automatically linked and populated in my Paypal account. There is no way for me to modify the card number or expiration date. The billing address when attempting to place an order through " Pay with Paypal '' is always correct.

2 ) " If a Confirm Card link appears next to your card details, you will need to confirm the PayPal Card before you are able to use it further with PayPal. '' -There is no such link. The card has always been active, visible in my paypal account and functional outside attempting to use it with Paypal at checkout. 
3 ) " If none of these apply or if you continue having issues using your PayPal Card as a payment method, you may wish to remove it as a payment method and then re-add it to your Account. " -Going to where my cards are listed in my Paypal account the Paypal mastercard is not shown and attempting to add the Paypal Mastercard results in this error : " Sorry, this card isn't supported. Link a different payment method. '' You state my Paypal mastercard does not show as a payment method because this is due to paypals security system. What good is this card if it can not be used? You provide no recourse, solution or what may be triggering this " security system ''. I can add literally any other random credit card to my Paypal account as a payment method and it will show as a payment method during checkout - but Paypal wont allow the use of its own issued credit card as a payment method due to " security '' without explanation. This is a serious issue on Paypals side. Any other random credit card I never used on my Paypal account is fine, but PayPals own in house issued credit card Ive had for years is seen as a security issue. This does not make any sense and I think most people would agree this makes no sense. The its a " security system '' issue and the vague " nothing we can do or disclose about it '' is a non answer and does not help.

Paypal has a serious issue on their end and you need to find a solution to this so I can use my Paypal mastercard during checkout with Paypal. I need you to investigate this further and find a solution. 

For example, someone on the Paypal forums shared a similar experience XXXX XXXX XXXX XXXX )- they said they were able to get it fixed when someone at Paypal finally realized there was a restriction on the virtual card number.. Maybe this is the problem? 

Please respect this issue and how much time Ive spent trying to get it fixed. Its unfair to blame security system and not investigating deeper on what is causing this.