Consumer complaint received 2016-01-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (TX)

I purchased an item via my paycard XXXX XXXX. I had to return it to the vendor. Little did I know it was through XXXX vendors, Ebay, and Pay Pal. Even though my bank shows the vendor returned my money, the money is held in Pay Pal. Ebay does nothing but got rid of my returned item. Over 3 hours on the phone since XXXX XXXX trying to get my credit back to my card. Pay Pal reps laughed at me when I advised I do n't have the a bank account or a way to cash a check and XXXX of my friends said XXXX no they quit using pay pal because of hacking, issues, and keeping their money. The top tier supervisor offered me to use pay pal funds by going to XXXX XXXX and XXXX XXXX XXXX. I told that guy I have no kids so I wo n't be going to XXXX XXXX XXXX and I have no use to go to XXXX XXXX. I repeated XXXX times I do n't have a bank and no way to cash a return check and that i was not interested in their buy to selected vendors they were offering. I needed my money back to my original paycard account as they promised but never delivered. They lied about it and never intended to so for 3 days I waited. When no credit I called back and some of their answers were " oh, we did n't have your street address ; oh, it shows resolved ; oh it shows you ca n't go back to your original card because your card is a STAR card. I called my paycard banking institution and they stated they are NOT a STAR card. I called Pay Pal back and I got the same run around. After that they locked me out of my account for 4 hours. I had to call from XXXX to XXXX several times and they told me my email address was never verified. That was also a lie. How else would I have ever been on the site in the first place. They made me go through tight security questions to answer in order to get back into pay pal so I could see my account. These fraudsters made me answer very personal questions they stated was public knowledge. And the fact is I already completed entirely different security questions of my own. I had to answer questions that were not even true. They stated I had lived with my sister-in-law is a specific zip code. Again lies. All lies for you not to get into your account. I finally was able to answer a set of security questions of my very private life ( that they had that was NOT just public record ). I got into my account and scheduled a check that stated would be approximately 2 weeks for delivery. AGAIN MY MONEY they are playing with. They also made me pay a fee of {$1.00} ( which they said {$1.00} ) and now I have to pay a fee of my own money to cash the check when it ( if it ) arrives in two weeks. I was also emailing ebay and the vendor. They all pointed fingers at each other and blamed each other just as such as fraudsters do. I told them I would report them to the FTC and FCC and they said GO AHEAD. I in no way upon purchasing my item agreed if you have a return it goes to pay pal. They should make the customer aware before purchasing that if you return an item then your funds will be placed in pay pal and you will have to transfer to a bank. if you have no bank or way to retrieve your cash this is not the best payment method for you. SHOP SOMEWHERE ELSE. But by time the class action lawsuit occurs we may get XXXX cents. The corruption must stop and the harassment must stop. They are using XXXX techniques on the common good and trust of a customer. I hope they get the karma they deserve. Shame on EBAY for being a part of it. I will never use any of those services again and I will pass the word on to everyone I know. NEVER EVER USE PAY PAL OR EBAY OR YOU WILL GET XXXX.