Paypal Limited - PayPal Limitations - the Definitive Thread on what to do, what not

koalawash · 01-23-2008, 03:41 PM

EDITOR'S NOTE: This thread shows the history of our battle against PayPal limitations. But the bottom line remains: All newer PayPal accounts will be limited and asked for some verifying information, including social security number, at some point. No matter what. There are however techniques that can be utilized to delay the inevitable, and to assure that this is but a temporary rather than permanent limitation.

---
Has anyone else received this message from Paypal before? The funny thing is that I haven't even DONE anything with the bank account I used, save for having PP make those 2 small deposits. Is this just another one of those bogus security concerns they always come up with to randomly screen certain accounts?

Quote:

Paypal is constantly working to ensure security by regularly screening the accounts in our system. We recently reviewed your account, and we need more information to help us provide you with secure service. Until we can collect this information, your access to sensitive account features will be limited. We would like to restore your access as soon as possible, and we apologize for the inconvenience.

Why is my account access limited?

Your account access has been limited for the following reason(s):

Jan XX, 2008: Our system detected an unusual use of funds from a bank account linked to your Paypal account.

hateebaymorethanyou · 01-23-2008, 03:48 PM

Did you log in to be sure you have been limited? It could just be one of those many many many fake emails going around. I never get too upset with them until I check my paypal ( and NOT by clicking the link in that emailk either ) ... if I'm limited in there .. then I'm PO'd!

koalawash · 01-23-2008, 03:53 PM

Actually I never look at emails from either eBay or Paypal. Logging in to the Paypal account was how I found out about this in the first place.

koalawash · 01-23-2008, 04:06 PM

That's what I suspected. But why would they do this when I haven't made a single transaction yet? I guess it's just the sheer bad luck of falling under one of their random limitations.

ebaynoway · 01-23-2008, 06:23 PM

New poster here...
I received the same message on Sunday. Paypal wanted to verify my bank acct with the 2 deposits and verify the cc billing address by phoning me with a code. So I receive the call, and it says thank you for verifying the code. I login to my acct and it says that verification failed because the phone number didn't match any phone records ( I was using grandcentral). Now they are sending a letter to verify. Unfortunately, the address listed in bunk. So I have no chance in hell of lifting the limits on the acct. What really sucks is the next day I had 2 payments come in for over $500 and paypal won't even let me refund the buyers.

ebayhateluv · 01-23-2008, 06:32 PM

Hi- can you Email your buyers-tell them your acct was hi-jacked..to immed dispute the trans.. and then it should let you resolve by 2 means; a.) refunding or b.) providing proof of refund..Then- try to complete sale another way- even offering Free shipping if they send a Money order maybe? -- Also-sounds like both of you may have been linked to a Previous ebay acct? that went down maybe? If not- then if you can't provide PP the info they want, you've gotta move on...

koalawash · 01-23-2008, 06:34 PM

Hmm.. I seem to recall another thread in the Paypal subforum where somebody mentioned the same thing. It's totally ridiculous to think Paypal would require a *listed* phone number on top of everything else. My guess is that this really is just a random occurrence, and that if you make say 10 accounts maybe 3 or 4 will get this pulled on them right away. Not really sure, but I hope I'm right.

koalawash · 01-23-2008, 06:36 PM

Quote:

Originally Posted by ebayhateluv

Hi- can you Email your buyers-tell them your acct was hi-jacked..to immed dispute the trans.. and then it should let you resolve by 2 means; a.) refunding or b.) providing proof of refund..Then- try to complete sale another way- even offering Free shipping if they send a Money order maybe? -- Also-sounds like both of you may have been linked to a Previous ebay acct? that went down maybe? If not- then if you can't provide PP the info they want, you've gotta move on...

I don't know about being linked. The one time I had that happen to me (long ago) they actually mentioned the name of the account I was linked to. Not so this time around. Actually eBay hasn't even done anything yet. At least so far, this is purely a Paypal issue.

What I did was sent the buyer I had a message talking about how Paypal limited my account for no reason and that they should just go directly to Paypal to get the money.

ebaynoway · 01-23-2008, 06:36 PM

I emailed the 2 buyers. One responded thus far. She cannot cancel on her end and insists that I have to refund on my end, which is utterly impossible. So I tell her to file a claim to get her money back. She does and I go into paypal to respond to the claim. I choose to refund the buyer. I get an error message saying due to my account being limited, I am unable to refund the buyer. WTH, I have no way to clear this up. I am at a loss. So far the ebay acct that it is tied to, is still up and running.

koalawash · 01-23-2008, 06:39 PM

Tell her that Paypal is holding her money hostage and there is nothing you can do. At the very least it's one more person aware of how much Paypal blows.

koalawash · 01-23-2008, 06:40 PM

ebaynoway, how old was this account you mention here in your case?

ebaynoway · 01-23-2008, 06:41 PM

Quote:

Originally Posted by koalawash

ebaynoway, how old was this account you mention here in your case?

It was about a month old. I had made a few small purchases with it, but had not received any payments at the time of the limitation.

koalawash · 01-23-2008, 06:42 PM

Wow, that's pretty bad that they would do it after all that time. Mine was only about a week old at most so I wasn't terribly surprised.

ebaynoway · 01-23-2008, 06:42 PM

Quote:

Originally Posted by koalawash

Tell her that Paypal is holding her money hostage and there is nothing you can do. At the very least it's one more person aware of how much Paypal blows.

That is what I did, and I referred her to the paypalsucks site.

coolandcalm · 01-23-2008, 07:42 PM

Good thing you did, the more people who know how paypal really operates the better. I heard rumor that they are in trouble financially due to all the mis-management and are limiting accounts with high dollar amounts to hold the funds for 180 days because they can, then pay their bills with the interest.

koalawash · 01-23-2008, 08:17 PM

Hmm.. now things may be getting a bit dicey. eBay isn't starting to crack down harder on all ING accounts by any chance, are they?

ebaynoway · 01-23-2008, 08:32 PM

Well, my bank acct did happen to be an ING acct.... food for thought.

koalawash · 01-23-2008, 08:37 PM

Wow okay that helps.. something is very fishy here..

ebaynoway · 01-23-2008, 08:40 PM

e-trade savings accts online are easy to open with no minimum. I have a recent paypal

01-23-2008, 06:32 PM	#6 (permalink)
ebayhateluv eBay Authority iTrader: (7) Join Date: Oct 2007 Location: Land of the Free, Home of the Brave Posts: 2,508 My Mood: Thanks: 0 Thanked 4 Times in 4 Posts Activity: 7% Longevity: 60%	Hi- can you Email your buyers-tell them your acct was hi-jacked..to immed dispute the trans.. and then it should let you resolve by 2 means; a.) refunding or b.) providing proof of refund..Then- try to complete sale another way- even offering Free shipping if they send a Money order maybe? -- Also-sounds like both of you may have been linked to a Previous ebay acct? that went down maybe? If not- then if you can't provide PP the info they want, you've gotta move on... __________________ *Always.. Be the BEST you can Be, at Whatever you do! Be Part of the Solution, rather than Part of the Problem.*

Having Trouble Getting Started? Get The Complete Step by Step EBay Guide - Ebay Stealth!

01-23-2008, 03:48 PM	#2 (permalink)
hateebaymorethanyou Subscribed Member iTrader: (0) Join Date: Oct 2007 Location: USA Posts: 53 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 1% Longevity: 59%	Did you log in to be sure you have been limited? It could just be one of those many many many fake emails going around. I never get too upset with them until I check my paypal ( and NOT by clicking the link in that emailk either ) ... if I'm limited in there .. then I'm PO'd!

01-23-2008, 03:53 PM	#3 (permalink)
koalawash MU iTrader: (0) Join Date: Jun 2007 Posts: 634 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 0% Longevity: 79%	Actually I never look at emails from either eBay or Paypal. Logging in to the Paypal account was how I found out about this in the first place.

01-23-2008, 04:06 PM	#4 (permalink)
koalawash MU iTrader: (0) Join Date: Jun 2007 Posts: 634 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 0% Longevity: 79%	That's what I suspected. But why would they do this when I haven't made a single transaction yet? I guess it's just the sheer bad luck of falling under one of their random limitations.

01-23-2008, 06:23 PM	#5 (permalink)
ebaynoway eBay Newbie iTrader: (0) Join Date: Dec 2007 Posts: 11 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 0% Longevity: 53%	New poster here... I received the same message on Sunday. Paypal wanted to verify my bank acct with the 2 deposits and verify the cc billing address by phoning me with a code. So I receive the call, and it says thank you for verifying the code. I login to my acct and it says that verification failed because the phone number didn't match any phone records ( I was using grandcentral). Now they are sending a letter to verify. Unfortunately, the address listed in bunk. So I have no chance in hell of lifting the limits on the acct. What really sucks is the next day I had 2 payments come in for over $500 and paypal won't even let me refund the buyers.

01-23-2008, 06:34 PM	#7 (permalink)
koalawash MU iTrader: (0) Join Date: Jun 2007 Posts: 634 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 0% Longevity: 79%	Hmm.. I seem to recall another thread in the Paypal subforum where somebody mentioned the same thing. It's totally ridiculous to think Paypal would require a listed phone number on top of everything else. My guess is that this really is just a random occurrence, and that if you make say 10 accounts maybe 3 or 4 will get this pulled on them right away. Not really sure, but I hope I'm right.

01-23-2008, 06:36 PM	#9 (permalink)
ebaynoway eBay Newbie iTrader: (0) Join Date: Dec 2007 Posts: 11 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 0% Longevity: 53%	I emailed the 2 buyers. One responded thus far. She cannot cancel on her end and insists that I have to refund on my end, which is utterly impossible. So I tell her to file a claim to get her money back. She does and I go into paypal to respond to the claim. I choose to refund the buyer. I get an error message saying due to my account being limited, I am unable to refund the buyer. WTH, I have no way to clear this up. I am at a loss. So far the ebay acct that it is tied to, is still up and running.

01-23-2008, 06:39 PM	#10 (permalink)
koalawash MU iTrader: (0) Join Date: Jun 2007 Posts: 634 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 0% Longevity: 79%	Tell her that Paypal is holding her money hostage and there is nothing you can do. At the very least it's one more person aware of how much Paypal blows.

01-23-2008, 06:40 PM	#11 (permalink)
koalawash MU iTrader: (0) Join Date: Jun 2007 Posts: 634 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 0% Longevity: 79%	ebaynoway, how old was this account you mention here in your case?

01-23-2008, 06:42 PM	#13 (permalink)
koalawash MU iTrader: (0) Join Date: Jun 2007 Posts: 634 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 0% Longevity: 79%	Wow, that's pretty bad that they would do it after all that time. Mine was only about a week old at most so I wasn't terribly surprised.

01-23-2008, 07:42 PM	#15 (permalink)
coolandcalm Subscribed Member iTrader: (0) Join Date: Jan 2008 Posts: 127 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 20% Longevity: 45%	Good thing you did, the more people who know how paypal really operates the better. I heard rumor that they are in trouble financially due to all the mis-management and are limiting accounts with high dollar amounts to hold the funds for 180 days because they can, then pay their bills with the interest.

01-23-2008, 08:37 PM	#18 (permalink)
koalawash MU iTrader: (0) Join Date: Jun 2007 Posts: 634 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 0% Longevity: 79%	Wow okay that helps.. something is very fishy here..

01-23-2008, 08:40 PM	#19 (permalink)
ebaynoway eBay Newbie iTrader: (0) Join Date: Dec 2007 Posts: 11 My Mood: Thanks: 0 Thanked 0 Times in 0 Posts Activity: 0% Longevity: 53%	e-trade savings accts online are easy to open with no minimum. I have a recent paypal