I've been on HOLD for 40 minutes, no lie! Because I need to get this RETARDED $1.50 overdraft charge OFF MY CREDIT UNION ACCOUNT! Which was ALREADY OVERDRAFTED FROM WEEBLY'S AUTO-RENEWAL OF WILLIAMS WORKS!
Basically I'm looking at a $40 swing once I get this Paypal bullshit removed! And get it removed, I shall. The funny thing is that I was on the fuckin phone on hold for SO LONG!? That I reopened my saved Williams Works post and was actually TYPING IT THE FUCK UP WHILE SITTING ON HOLD!
Mind you?
I DID NOT, act nasty when I decided to use my two-way line AND CALL PAYPAL AGAIN WHILE THE OTHER LINE WAS STILL SITTING ON HOLD. I've typed it on here before but I'll type on here again right now. Being OLD ENOUGH to be from the time when Customer Service meant something. Then I actually KNOW HOW TO TALK TO PEOPLE ONCE I GET THEM ON THE LINE. The FIRST THING IS to KNOW WHEN OR IF, to become angry with them. Reading the situation properly, IS CRITICAL TO BEING ABLE TO PULL OFF THE VERIZON ACCOUNT I'D BUILT UP WHEN EVERYTHING WAS UNDER MY SURROGATE SON'S NAME.
Which is why I told you all before, that the Verizon Rep ACTUALLY TRIED TO TALK ME OUT OF CLOSING HIS ACCOUNT WHEN HE FINALLY MOVED OUT.
Bottom line is I spoke with a woman who was clearly based ANYWHERE ELSE BUT WITHIN NAZI-AMERICAN BORDERS. But I made it clear to her that MY BEEF, was NOT WITH HER. But with THE LAYOUT SET UP BY HER EMPLOYER.
Turns out Paypal has THEIR customer service set up so THEY CAN ONLY HANDLE BASIC SHIT! Far as I AM CONCERNED, they don't allow the Foreign-based workers TO HAVE ACCESS TO ACCOUNT INFORMATION. And if you don't understand what and why this is important, then you clearly haven't been reading My Blog for long or simply don't get it.
TRANSLATION!?
The Whites WHO OWN PAYPAL DON'T MIND USING FOREIGN WORKERS TO SHOOT THE SHIT AND HANDLE PETTY-INCONVENIENCES, BUT!?
They DON'T TRUST THEM TO HANDLE ACTUAL ACCOUNT TRANSACTIONS! So just like THE FIRST TIME when I called in, THE FOREIGN WORKERS CAN'T SEE THE ACCOUNT TRANSACTIONS, something I SET UP when I called in the first time. Where I specifically asked the Foreign-customer serviceman why he couldn't see my transaction and whether or not he could simply reverse the error and then I could be on my way. He stated that because my account is a BUSINESS DEBIT CARD, he can't do that. So I needed him to verbally COMMIT to what he SUPPOSEDLY COULDN'T DO. So I could USE THAT ON THE SECOND CALL. Cuz I figured I'd end up on hold-till-hell and high water. But I figured I'd give it a try anyway, right.
So on THE SECOND CALL. When the woman tried to transfer me I stopped her in her tracks. And pointed out THAT MY ACCOUNT HAS AN 8-CENT BALANCE. So then WHY HASN'T PAYPAL CORRECTED THEIR OVERSIGHT AUTOMATICALLY. The way THEY AUTOMATICALLY TRIED TO TAKE THE ENTIRE AMOUNT OF WHAT I DIDN'T OWE FROM OUT OF MY CREDIT UNION ACCOUNT?
Again.
Tone and demeanor is everything.
I was not NASTY AND RUDE.
I was however FIRM AND CRYSTAL CLEAR IN WHAT I WAS ASKING HER.
If the time can be taken TO PROGRAM THE AUTO-ACCOUNT OVERDRAFT.
Yet!?
THE PROGRAM MISSED THE FACT THAT ENOUGH MONEY WAS ALREADY IN THERE IN THE FIRST PLACE, which is HIGHLY. FUCKIN. SUSPICIOUS. Do NOT BE SURPRISED if Years down the road, PAYPAL IS BROUGHT UP ON WHITE COLLAR CRIMES FOR LITERALLY OVERDRAFTING ACCOUNTS ON PURPOSE WHEN PEOPLE HAVE THE ACTUAL MONEY IN THE ACCOUNT.
And understand something. UNDERSTAND THIS FACT;
How can a PROGRAM OR PERSON INTENTIONALLY NOT CORRECTLY ADD-UP AMOUNTS FOR PROCESSING AND CHARGES DUE.
Versus.
THE AMOUNT ALREADY IN THE FUCKIN ACCOUNT!?
I'll let that sink in for a second, because common sense tells anybody THAT IT IS NOT POSSIBLE UNLESS SOMEONE HAS JURY-RIGGED THEIR SYSTEM TO SWINDLE THEIR OWN FUCKIN CUSTOMERS BY NICKEL-&-DIME-ING THEM WHEN THEY ARE CLOSE TO THEIR AVAILABLE BALANCE IN THE ACCOUNT! And MIND YOU!?
My background in WORKING WITH THESE WHITE PEOPLE IN BANKING FINANCING HAS SHOWN ME MORE THAN ENOUGH TIMES THAT THEY ARE DIRT-BAGS WHO WILL SWIPE THE SHIT RIGHT OUT OF THEIR OWN MOTHER'S ASS IF THEY CAN SELL IT FOR A FUCKIN PROFIT! Let that horrendous image sink in!
So when we talk about things like the Housing Crash, understand that at the center of that was Whites LIKE THOSE OVER AT PAYPAL. Who LOOK FOR MEANS TO STEAL FROM ANYONE DUMB ENOUGH NOT TO PAY ATTENTION OR WHO SEEM LIKE EASY MARKS!
Let's take a QUICK LOOK at Paypal, shall we;
PayPal Holdings, Inc. is an American company operating a worldwide online payments system. Online money transfers serve as electronic alternatives to traditional paper methods like checks and money orders. PayPal is one of the world's largest Internet payment companies.[6] The company operates as a payment processor for online vendors, auction sites and other commercial users, for which it charges a fee.
Established in 1998,[7] PayPal had its IPO in 2002, and became a wholly owned subsidiary of eBay later that year.[8][9]
In 2014, PayPal moved $228 billion in 26 currencies across more than 190 nations, generating a total revenue of $7.9 billion (44% of eBay’s total profits).[10] The same year, eBay announced plans to spin-off PayPal into an independent company by mid-2015 and this was completed on July 18, 2015.[11] On July 20, 2015, PayPal had its second IPO that valued the company at $46.6 billion.[12]
PayPal's corporate headquarters are located in San Jose, California,[40] at North First Street campus.[54] The company's operations center is located in Omaha, Nebraska, which opened in 1999.[55][56] Since July 2007, PayPal has operated across the European Union as a Luxembourg-based bank. The PayPal European headquarters are located in Luxembourg and the international headquarters are in Singapore. PayPal opened a technology center in Scottsdale, Arizona in 2006,[57] and a software development center in Chennai, India in 2007.[58] In October 2007, PayPal opened a data service office on the north side of Austin, Texas,[59] and also opened a second operations center in La Vista, Nebraska that same year.[55] In 2011, joining similar customer support operations located in Berlin (Germany), Chandler (Arizona), Dublin (Ireland), Omaha (Nebraska), and Shanghai (China), PayPal opened a second customer support center in Kuala Lumpur (Malaysia) and began the hiring process.[60] In 2014, PayPal opened a new global center of operations in Kuala Lumpur (Malaysia)[61]Fraud
As early as 2001, PayPal had substantial problems with online fraud, especially international hackers who were hacking into PayPal accounts and transferring small amounts of money out of multiple accounts. Standard solutions for merchant and banking fraud might use government criminal sanctions to pursue the fraudsters. But with PayPal losing millions of dollars each month to fraud, while experiencing difficulties with using the FBI to pursue cases of international fraud, PayPal developed a private solution: a "fraud monitoring system that used artificial intelligence to detect potentially fraudulent transactions. ... Rather than treating the problem of fraud as a legal problem, the company treated it as a risk management one."[107][108]
150,000 Paypal cards frozen
In 2015, in a still developing process, 150,000 Spanish card holders had their funds frozen in an apparent fraud case involving a PayPal service provider, Younique Money, which was the de facto administrator of the cards. Previously, PayPal had charged €15 to all its card users without authorization (150,000 users). As of March 2015 most funds have not been returned.[109][110][111]
PayPal MyCash Reloadable Card Embezzlement
PayPal MyCash (PPMC) cards are purchased and loaded at retail and pharmacy stores in the US. These cards are provided by the corporation InComm. Funds can only be loaded to PayPal accounts, and are done so by scratching off silvering on the rear of the card to reveal a secure PIN. It has been discovered that these secure PIN numbers are stored plaintext in a database, accessible to many InComm IT employees. Employees have taken PINs and loaded or traded them for their own purposes. Meanwhile victims have their claims investigated by the company ITC Financial Licenses under InComm, with a very broken model which blames victims as participants in Victim Assisted Fraud. The extent of this situation is not yet known, but a victim with a small blog was able to find $5000 in victims while researching his own case to ultimately prove this. A video reveals a PIN number being known before silvering has been scratched off, and the victim was able to trace the account one of the cards was loaded to back to a former InComm Database Administrator.[112]
Criticism
In 2003, PayPal voluntarily ceased serving as a payment intermediary between gambling websites and their online customers. At the time of this cessation it was the largest payment processor for online gambling transactions. In 2010, PayPal resumed accepting such transactions, but only in those countries where online gambling is legal, and only for sites which are properly licensed to operate in said jurisdictions.[113]
If an account is subject to fraud or unauthorized use, PayPal puts the "Limited Access" designation on the account. PayPal has had several notable cases in which the company has frozen the account of users such as Richard Kyanka, owner of the websiteSomething Awful, in September 2005,[114] Cryptome in March 2010,[115][116][117] or April Winchell, the owner of Regretsy, in December 2011. The account was reinstated, PayPal apologized and donated to her cause.[118]
In September 2010, PayPal froze the account of Markus Persson, developer of independent video game Minecraft. Persson stated publicly that he had not received a clear explanation of why the account was frozen, and that PayPal was threatening to keep the money if they found anything wrong. His account contained around €600,000.[119]
PayPal's partner MasterCard ceased taking donations to WikiLeaks in 2010, and PayPal also suspended, and later permanently restricted, payments to the website after the U.S. State Department deemed WikiLeaks activities as illegal. Online supporters and activists retaliated by subjecting PayPal and MasterCard, along with other companies, to coordinated cyber attacks.[120]
In February 2011 PayPal unbanned the account of a website that supports Iraq War resisters after it had enough information to fulfill its know your customer guidelines. The Chelsea Manning Support Network claimed the backdown was a reaction to a petition to the company to reinstate the account.[121]
As of December 2011, PayPal is involved in several class-action lawsuits[122] in a controversy over their policy of holding 30% of vendor transactions for 90 days for some merchants and sellers, which PayPal argues is intended to make funds available to customers in the event that a transaction is found to be fraudulent; to provide PayPal the funds to refund the seller.[123]
In May 2013, PayPal declined to pay a reward offered in its Bug Bounty Program[124] to a 17-year-old German student who discovered a cross-site scripting flaw on its site. The company took the position that because the student was under 18 years old he did not qualify to participate in the program in violation of the program's terms and conditions.[125]
In August 2013, entrepreneurs who had used PayPal to collect the funds they raised on crowdfunding platforms like Kickstarter and Indiegogo reported difficulty in being able to withdraw the money. Most notable victims are Ouya, GlassUp (a rival to Google Glass) and Mailpile.[126][127]
As of January 2015, a class-action lawsuit against PayPal has been filed in Israel,[128] claiming that they arbitrarily freeze accounts and hold funds for up to 180 days without paying interest and thereby directly profit from it. The lawsuit requests that PayPal be declared a monopoly and thus regulated accordingly.
In May 2014 PayPal blocked the account of a Russian human rights organisation "RosUznik", which supported political prisoners arrested at Bolotnaya Square case.[129][130]
In May 2015 PayPal blocked an account intended to raise money for the distribution of Boris Nemtsov's report "Putin. War".[131][132] The explanation by PayPal was that "PayPal does not offer the opportunity to use its system for collecting funds to finance the activities of political parties or for political aims in Russia", though PayPal's Acceptable Use Policy does not mention financing for political goals.[133] Non-governmental organization Freedom House issued a statement that "PayPal should immediately lift this ban, to help, rather than hinder, press freedom in Russia."[134]
Litigation
In March 2002, two PayPal account holders separately sued the company for alleged violations of the Electronic Funds Transfer Act (EFTA) and California law. Most of the allegations concerned PayPal's dispute resolution procedures. The two lawsuits were merged into one class action lawsuit (In re: PayPal litigation). An informal settlement was reached in November 2003, and a formal settlement was signed on June 11, 2004. The settlement requires that PayPal change its business practices (including changing its dispute resolution procedures to make them EFTA-compliant), as well as making a US$9.25 million payment to members of the class. PayPal denied any wrongdoing.[135]
In June 2003, Stamps.com filed a lawsuit against PayPal and eBay claiming breach of contract, breach of the implied covenants of good faith and fair dealing, and interference with contract, among other claims. In a 2002 license agreement, Stamps.com and PayPal agreed that Stamps.com technology would be made available to allow PayPal users to buy and print postage online from their PayPal accounts. Stamps.com claimed that PayPal did not live up to its contractual obligations and accused eBay of interfering with PayPal and Stamps.com's agreement, hence Stamp.com's reasoning for including eBay in the suit.[136][137]
Craig Comb and two others filed a class action against PayPal in Craig Comb, et al. v. PayPal, Inc.. They sued, alleging illegal misappropriation of customer accounts and detailed their customer service experiences, including freezing deposited funds for up to 180 days until disputes were resolved by PayPal. PayPal argued that the plaintiffs were required to arbitrate their disputes under the American Arbitration Association's Commercial Arbitration Rules. The court ruled against PayPal, stating that "the User Agreement and arbitration clause are substantively unconscionable under California law."[138]
In September 2002, Bank One Corporation sued PayPal for allegedly infringing its cardless payment system patents.[139] The following year, PayPal countersued, claiming that Bank One's online bill-payment system was an infringement against PayPal's online bill-payment patent, issued in 1998.[140] The two companies agreed on a settlement in October 2003.[141]
In November 2003, AT&T Corporation filed suit against eBay and PayPal claiming that their payment systems infringed an AT&T patent, filed in 1991 and granted in 1994.[142] The case was settled out of court the following month, with the terms of the settlement undisclosed.[143]
In June 2011, PayPal and Israel Credit Cards–Cal Ltd. were sued for NIS 16 million. The claimants accused PayPal of deliberately failing to notify its customers that ICC-Cal was illegally charging them for currency conversion fees.[144]
CFPB consent
On 21 May 2015 PayPal agreed that PayPal Credit would pay a $25 million fine to settle a complaint filed in Federal Court by the Consumer Financial Protection Bureau.[68] The complaint alleged that consumers using PayPal were signed up for PayPal credit accounts without their knowledge nor consent. It alleged that PayPal had promised discounts and payment options the consumers never received, and that users trying to sign up for the regular, non-credit, PayPal accounts were signed up for credit accounts instead.[68][145] The complaint was filed in the United States District Court for the District of Maryland, which ordered PayPal Credit to refund $15 million to consumers and to pay a $10 million fine.[68]
I need to point out too, that Tariq Nasheed had recently started airing complaints about Paypal and had had HIS ACCOUNT FROZEN WITH A NICE SUM OF MONEY IN IT! He has since switched to Stripe. Which is what I use for Williams Works. I got the Paypal Business Debit card because it allows for large withdrawals. But after reading the complaints and criticisms, never mind MY OWN CRITICISMS. I have used My Paypal Account as an emergency transfer system more than anything else. I don't keep large amounts of money in it because I myself have been uneasy about it over the last few months.
To make a longer story shorter. The 2nd customer service rep claimed that she'd have the Debit Department call me back, the same way I had HER CALL ME BACK. When I called in the 2nd time and used their automated system to force a callback. I wasn't gonna sit on the line for ANOTHER 44 MINUTES! Now!? Understand, I KNOW THEY MAY NOT CALL BACK, no problem people! I will be calling THEM TOMORROW to GET THIS RESOLVED ONE WAY OR ANOTHER FROM WORK!
I simply wanted to do it ON MY OWN TIME HERE. I'll call during Nazi-American business hours and something tells me I'll get connected TO PEOPLE WHO ARE ON OUR TIME, and mysteriously shit will get resolved. Note that Paypal has had a lot of problems with scams both INTERNALLY AND EXTERNALLY, yet they haven't gotten HIT WITH THE BAN HAMMER! AND DESTROYED! Now!? Paint Paypal A BLACK COMPANY with all of this BULLSHIT AND THEY'D BE OUT OF BUSINESS BEFORE I CAN HIT
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