Consumer complaint received 2023-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
PayPal ( PP ) -ignores my chosen preferred pymt methodXXXX. Chooses their own methods w/out telling me/allowing me option to confirm=approve/deny. PP has charged my bank acct W {$0.00} bal= NSF fees, time/troubles. XXXX chosen & set as preferred pymt method ; PP ignored. PP recently incorrectly charged my credit line ; XXXX ignored. PP refusing to remove XXXX. PREVIOUS to approved XXXX, I deleted XXXX from my PP acct & demanded many times for PP do the same ; they have refused. They made false statements that card is same as XXXX ; its not= or charges would be going thru all ok to XXXX. Last purchase, PP incorrectly applied to credit line. That order had many items that I had to cancel & reorder, entering XXXX manually=I lost 1 % cashback & much time. Currently Im suffering negative effects from rent pymt tried making on 3rd, due 1st ; pymt Ive repeatedly made to son- same last name- in PP for a long time now, in addition to numerous other transactions between us. PPs decision was to deny pymt the first few attempts, claiming a security risk situation. Eventually allowed the pymt but failed to inform me it would be as a check ; never allowed me option to approve/deny. Check still being processed= very late= troubles for both me & son ; situation I could have just gone to bank on 3rd & got cash for son, if I had known what PP decided to do on their own beforehand! PP sent me reply : PP says they base the selection of final PP chosen funding source mostly on a predictive model based program called smart hierarchy where the pymt funding source defaults to one that is based on previous funding option behavior ; therefore PP says they can't provide a customer with knowledge of a definitive final pymt method. VERY WRONG of PayPal to be SO ARROGANT about MY paypal acct, pymts & money. Where my purchases are charged to should be ONLY MY choice, not PayPals decision or ability to change w/out notifying me first & receiving my approval or denial!

How can such a huge " business entity '' be so customer unfriendly? PayPal is one of the worst ever companies that provide any form of intelligent informed or easily accessed customer service! Their computerized phone system makes it pretty much impossible to get anyone to help. The customer service employees reply with answers that are pretty much as inaccurate as the computerized phone and online help assistant. I have fought unsuccessfully with PayPal for about a month and still my problems were never fixed, never correctly or intelligently addressed, always blamed to be something other than PayPals glitch, which it is ; Paypal ignored my preferred payment choices and choose their own without informing me or allowing me to approve or deny. They have cost me endless amount of time, anger, stress and financial loses in various transactions. Without my permission they have sent a charge to my {$0.00} balance bank account. I have a late rent payment out there floating around with extra late fees now because they did not allow a usual and often long time performed transfer of funds this month saying what I was requesting was a security risk which I fought unsuccessfully. I was to my son with the same last name even. They ended up doing the pymt as a check after a few denials but never told me they were doing a check, never gave me the option to cancel and deny and if they did I could have gotten the cash and paid it right away! They won't remove a very old mastercard from my acct. They won't link & allow me to use a new mastercard which I've set as my preferred pymt method. They ignore it an choose on their own without notification a different way to charge my purchases. I'm losing 1 % cashback due to their errors & I can't get it fixed with them. Their wallet and my wallet are two different things ; they should be the same. I say my issues are A-B-C : they ignore those issues and give me answers D-E-F! They are awful! Use other payment sources! Venmo or XXXX? NOT PAYPAL! 

I HAVE BEEN FIGHTING UNSUCCESSFULLY WITH PAYPAL FOR ABOUT A MONTH NONSTOP AND I AM TIRED OF FIGHTING THEM AND GETTING NO WHERE WITH NO RESULTS OR INTELLIGENT HELP

Company response to consumer: Closed with non-monetary relief