Consumer complaint received 2020-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
Message Center New ACTIVE XXXX XXXX  Customer Support Yes, I understand that it is a direct deposit. 
Messages are available in the Message Center for 90 days from the day originally sent. If you would like a copy of any messages prior to that timeframe, please contact us. 
PayPal Virtual AgentXXXX XXXX Hi! I'm PayPal 's Virtual Agent. I can help with common questions like " what's the status of my dispute '' or " I want a refund ''. 

If I can't help, I'll transfer your message to an agent. 

XXXX XXXX XXXX Where are the Stimulus funds should be deposited by now PayPal Virtual AgentXXXX XXXX I found some articles in our Help Center that might help you. Check them out! If you need more help, please type need more help ''. 

What is Funds Now and how does it work? 
What is FDIC insurance and how does it work? 
How do I set up Direct Deposit to receive the economic impact payment in my account with PayPal? 

XXXX XXXX XXXX Need more help PayPal Virtual AgentXXXX XXXX  I can transfer this conversation to an agent. The estimated response time is a few hours. 

Our customer service staffing is limited due to the coronavirus ( covid-19 ) crisis. We've put together some useful information in the Help Center to quickly resolve your issue. I'll stay here while you take a look. 

After I transfer the conversation, you can close the window and come back to it when its convenient for you. When we respond, well send you a notification with a link to the Message Center where you can reply. 

Would you like to transfer this conversation to an agent? 

XXXX XXXX XXXX  Yes PayPal Virtual AgentXXXX XXXX  Please send us a detailed message below and an agent will respond as soon as possible. If you have a related transaction ID, date, and amount, please include it here. 

XXXX XXXX XXXX  Stimulus checks have been released whats the hold up You are now connected to XXXX XXXX XXXX  Thank you for contacting PayPal. My name is XXXX and Ill be assisting you with your concern today. 

If you already set up Direct Deposit to send your latest tax return to your PayPal Cash Plus account, and you don't have a negative balance on your account, you don't need to take any action. 

To use the Direct Deposit feature, you need to have a personal account with PayPal and have been approved for a PayPal Cash Card. If you already have the PayPal Cash Card, you can find your Direct Deposit information in your Settings. Simply provide the account and routing number to the IRS to receive the economic impact payment directly into your account with PayPal. Once the payment is sent, it normally takes 3-5 days to show up in your account.

If you dont have a PayPal Cash Card, sign up for free and youll receive a routing and account number.

It looks like you stepped away from our conversation. That's ok! When you reply well connect your message to the next available Customer Support team member if the previous Team Member is not available. 

Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. 

XXXX XXXX XXXX  I have full knowledge the stimulus is there, I hope PayPal is paying interest to millions of Americans that use this service to receive direct deposit. 

Besides the fact that its actually against FDIC regulation. 

You are now connected to XXXX XXXX XXXX  Hi My name is XXXX and I'm going to help you! 
Please give me 2 minutes while I review your previous conversation. 

To use the Direct Deposit feature, you need to have a personal account with PayPal and have been approved for a PayPal Cash Card. If you already have the PayPal Cash Card, you can find your Direct Deposit information in your Settings. Simply provide the account and routing number to the IRS to receive the economic impact payment directly into your account with PayPal. Once the payment is sent, it normally takes 3-5 days to show up in your account.

If you dont have a PayPal Cash Card, sign up for free and youll receive a routing and account number.

Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. 

XXXX XXXX XXXX  You already know I have an account and card. PayPal is i paypal is dead wrong for having people wait unnecessarily out of pure greed and negligence hope theres an investigation and PayPal goes to top of list Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. 

XXXX XXXX XXXX XXXX XXXX  XXXX Wheres the money????!!!! 

You are now connected to XXXX XXXX XXXX  Hi XXXX Do you have reference ID for the deposit made to you by Stimulus? 

It looks like you stepped away from our conversation. That's ok! When you reply well connect your message to the next available Customer Support team member if the previous Team Member is not available. 

Our agent will respond to your message within an hour. 

XXXX XXXX XXXX Ref id? Its direct deposit I plan to file a complaint with the FDIC its against the law to NOT deposit funds when theyve been there since last week actually XXXX XXXX XXXX  The DOJ also needs to know about this You are now connected to XXXX XXXX XXXX XXXX???? 

XXXX XXXX expecting any such deposits will have to setup direct deposits with IRS by providing them PayPal Account and routing number. It will take 3 to 5 business days for the deposits to appear. Any additional question https : //www.irs.gov/coronavirus/economic-impact-payment-information-center XXXX XXXX XXXX I expect funds to be available no later than open of business XXXX XXXX  CST XXXX XXXX  Please refer to the above website XXXX XXXX XXXX  Already did that If you notice the FIRST screen shot has my account number What? 

XXXX XXXX Then it will take 3 to 5 business days for the deposits to appear XXXX XXXX XXXX So PayPal has no answer? 

ITS DIRECT DEPOSIT Why will it take an additional 3-5 business days DIRECT DEPOSIT XXXX XXXX  Please allow me 2-3 minutes while I check XXXX XXXX XXXX  Its NOT a check Please go ahead and leave us a message if you haven't already, and we will get back to you in a few hours. 

XXXX XXXX Yes, I understand that it is a direct deposit. 

XXXX XXXX XXXX  So it is DIRECTLY deposited

Company response to consumer: Closed with monetary relief