Paypal - MS payments
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And when you have a slow connection, takes longer to load the ad than to get to the site.
If you think that's bad, just wait until you need their help with something. Changing my phone number was an experience I will never forget. I avoid using their service as much as I possibly can because they are such a nightmare to deal with.
It's the price we have to pay for getting a "free" common online payment system.
Now imagine what NYC is going to go through to get "free" everything.
Now imagine what NYC is going to go through to get "free" everything.
These are stressful times, and this business doesn’t pay as quickly as some other gig work. I’ve been paid weekly, bi-weekly, monthly as an employee, and by contract/invoice as a business owner. This business is the slowest to pay I’ve experienced with a few exceptions.
As far as PP goes, I’ve had great service for decades at less cost. They were the first safe, payment system that allowed regular people the ability to affordably participate in online domestic and international commerce as a buyer or business with better security than any mainstream bank, and still are.
PP has (personally) also been less costly than mainstream banks concerning fees and penalties, pays back a comparatively decent percentage regardless of balance, and has backed me up 100% in more than one 3rd party card number and identity theft situation, giving straight advice, freezing transactions, investigating swiftly, and replacing my funds faster and more personably than the banks did, with and without police reports.
I do not care for their commission-based partnerships, choose not to support them, and have informed PP why. That includes retail and 3rd party check cashing/“payday loan” type options being offered in a growing (vulnerable) electronic niche by all kinds of employers (who get a commission) ranging from well known financial service providers to local retailers. It’s not free, usually requires the use of less secure apps with questionable privacy policies, and you’re also paying this new “middle man” high fees they try to disguise as they profit handsomely from the data you gave them access to.
I only use PP for their original purposes, but I do see legitimate good things added.
I find their crypto involvement progressive and in alignment with the original mission, especially because it empowers small businesses with secure cash flow options they would not have otherwise in economic climates where high wealth/credit score systems and rigged economies are designed to exclude most from participation.
I’m also active with several legitimate charities. PP has been very hospitable with efficient donation flow, paying a monthly percentage on balances, and so helping us to help more than we could have otherwise…way before and since Mr Bezos gutted his highly publicized, overrated, slow, low-ball smiley program, and the Go F…Me campaigns portending charitable intentions for those in immediate needs with cloudy transparency and shockingly high fees after we do all the fund-raising leg work with our contact lists.
If you feel harassed by too many “requests” allegedly from PP, be careful to confirm they are. There are an increasing number of scams and hacks (I’ve also been targeted by). Most are accomplished by compromising 3rd party provider security including email, internet, social media, and phone/text connections. Then they reach out with legitimate looking PP graphics, links, and communications, with various scenarios, utilizing unexpected pop ins, spoofs, emails, and texts, asking to confirm a purchase or “update” profile and banking info …to get yours. Never call the provided # or click on anything. Instead, call PP using real Customer Service contacts they provide from the secure site on a different device (or land line if possible) to confirm if it’s a legitimate contact/concern you want to pursue, and best advice if not.
Security leaks and scammers are all over the news. PP has been a leader in hacking/phishing/fraud prevention and scam alerts from its inception with many published articles about how to avoid them, and is still safer than most current medical, government, and banking databases, many already hacked.
This is exactly why I do not do direct deposit and only use PP for this work. Too many vulnerabilities amongst all these apps, companies, and takeovers and buyouts.
Already been burned, and am not interested in any repeats.
Some MSC’s state it takes longer to get paid by PP, but that’s not the whole story.
I’ve always received payment same business day as the MSC initiates the transaction, and if not, as a business owner myself who signed contracts and disclosures with PP, banks, and credit unions, I know what I signed and am much more careful about who I trust and the fees, timeframes, and minimum balances required to earn anything, if anything, on my funds.
PP pays a monthly bump regardless of the balance, charges lower fees, and confirmed that payment delays like this usually have 3 common roots:
1- payor/businesses doesn’t have/maintain “verified” PP account status with enough in the business account to cover disbursements to process our payments immediately. (PP also pays a percentage on their PP balances).
2- payor business doesn’t have a linked account to a bank with enough available to cover the payments to us upon verification and funds transfer, adding on time, usually on a Friday, so plus 2 “business days” allowing for the weekend down time.
3- payor has a contract with their connected banking/payroll system to include payment delays, allowing them more time …and “flexible cash” flow (PP and you and I have no control over).
In all 3 scenarios, PP cannot pay us what they do not have access to. If they did pay without vetting funds, we’d be facing the equivalent of NSF fees we’d have to eat, because as IC’s we are not entitled to pursue recovery aside from the lengthy process with their designated arbitrator, at out cost, plus other added fees and no monthly interest.
So, it is very possible to receive same day payment via PP if the payor business has set it up that way. If not, it’s similar to the time in transit + hold time to get cash from a paper check from your bank or “held” direct deposit ( 2-10 business days after receipt), as others involved earn interest on your money. Common legal business practice.
So, if your payments are slow, you have every right to be pissed off, but it’s not all on PP.
Edited 4 time(s). Last edit at 11/05/2025 09:40PM by SBP.
As far as PP goes, I’ve had great service for decades at less cost. They were the first safe, payment system that allowed regular people the ability to affordably participate in online domestic and international commerce as a buyer or business with better security than any mainstream bank, and still are.
PP has (personally) also been less costly than mainstream banks concerning fees and penalties, pays back a comparatively decent percentage regardless of balance, and has backed me up 100% in more than one 3rd party card number and identity theft situation, giving straight advice, freezing transactions, investigating swiftly, and replacing my funds faster and more personably than the banks did, with and without police reports.
I do not care for their commission-based partnerships, choose not to support them, and have informed PP why. That includes retail and 3rd party check cashing/“payday loan” type options being offered in a growing (vulnerable) electronic niche by all kinds of employers (who get a commission) ranging from well known financial service providers to local retailers. It’s not free, usually requires the use of less secure apps with questionable privacy policies, and you’re also paying this new “middle man” high fees they try to disguise as they profit handsomely from the data you gave them access to.
I only use PP for their original purposes, but I do see legitimate good things added.
I find their crypto involvement progressive and in alignment with the original mission, especially because it empowers small businesses with secure cash flow options they would not have otherwise in economic climates where high wealth/credit score systems and rigged economies are designed to exclude most from participation.
I’m also active with several legitimate charities. PP has been very hospitable with efficient donation flow, paying a monthly percentage on balances, and so helping us to help more than we could have otherwise…way before and since Mr Bezos gutted his highly publicized, overrated, slow, low-ball smiley program, and the Go F…Me campaigns portending charitable intentions for those in immediate needs with cloudy transparency and shockingly high fees after we do all the fund-raising leg work with our contact lists.
If you feel harassed by too many “requests” allegedly from PP, be careful to confirm they are. There are an increasing number of scams and hacks (I’ve also been targeted by). Most are accomplished by compromising 3rd party provider security including email, internet, social media, and phone/text connections. Then they reach out with legitimate looking PP graphics, links, and communications, with various scenarios, utilizing unexpected pop ins, spoofs, emails, and texts, asking to confirm a purchase or “update” profile and banking info …to get yours. Never call the provided # or click on anything. Instead, call PP using real Customer Service contacts they provide from the secure site on a different device (or land line if possible) to confirm if it’s a legitimate contact/concern you want to pursue, and best advice if not.
Security leaks and scammers are all over the news. PP has been a leader in hacking/phishing/fraud prevention and scam alerts from its inception with many published articles about how to avoid them, and is still safer than most current medical, government, and banking databases, many already hacked.
This is exactly why I do not do direct deposit and only use PP for this work. Too many vulnerabilities amongst all these apps, companies, and takeovers and buyouts.
Already been burned, and am not interested in any repeats.
Some MSC’s state it takes longer to get paid by PP, but that’s not the whole story.
I’ve always received payment same business day as the MSC initiates the transaction, and if not, as a business owner myself who signed contracts and disclosures with PP, banks, and credit unions, I know what I signed and am much more careful about who I trust and the fees, timeframes, and minimum balances required to earn anything, if anything, on my funds.
PP pays a monthly bump regardless of the balance, charges lower fees, and confirmed that payment delays like this usually have 3 common roots:
1- payor/businesses doesn’t have/maintain “verified” PP account status with enough in the business account to cover disbursements to process our payments immediately. (PP also pays a percentage on their PP balances).
2- payor business doesn’t have a linked account to a bank with enough available to cover the payments to us upon verification and funds transfer, adding on time, usually on a Friday, so plus 2 “business days” allowing for the weekend down time.
3- payor has a contract with their connected banking/payroll system to include payment delays, allowing them more time …and “flexible cash” flow (PP and you and I have no control over).
In all 3 scenarios, PP cannot pay us what they do not have access to. If they did pay without vetting funds, we’d be facing the equivalent of NSF fees we’d have to eat, because as IC’s we are not entitled to pursue recovery aside from the lengthy process with their designated arbitrator, at out cost, plus other added fees and no monthly interest.
So, it is very possible to receive same day payment via PP if the payor business has set it up that way. If not, it’s similar to the time in transit + hold time to get cash from a paper check from your bank or “held” direct deposit ( 2-10 business days after receipt), as others involved earn interest on your money. Common legal business practice.
So, if your payments are slow, you have every right to be pissed off, but it’s not all on PP.
Edited 4 time(s). Last edit at 11/05/2025 09:40PM by SBP.
I have not had any advertisement issues. No issues with my funds, ever. No issues getting timely assistance, ever. No problems using the free debit card. No issues making changes on my account. Now that I said that, I hope I do not have the issues others have experienced. Do not jinx me. lol.
@SBP wrote:
These are stressful times, and this business doesn’t pay as quickly as some other gig work. I’ve been paid weekly, bi-weekly, monthly as an employee, and by contract/invoice as a business owner. This business is the slowest to pay I’ve experienced with a few exceptions.
As far as PP goes, I’ve had great service for decades at less cost. They were the first safe, payment system that allowed regular people the ability to affordably participate in online domestic and international commerce as a buyer or business with better security than any mainstream bank, and still are.
PP has (personally) also been less costly than mainstream banks concerning fees and penalties, pays back a comparatively decent percentage regardless of balance, and has backed me up 100% in more than one 3rd party card number and identity theft situation, giving straight advice, freezing transactions, investigating swiftly, and replacing my funds faster and more personably than the banks did, with and without police reports.
I do not care for their commission-based partnerships, choose not to support them, and have informed PP why. That includes retail and 3rd party check cashing/“payday loan” type options being offered in a growing (vulnerable) electronic niche by all kinds of employers (who get a commission) ranging from well known financial service providers to local retailers. It’s not free, usually requires the use of less secure apps with questionable privacy policies, and you’re also paying this new “middle man” high fees they try to disguise as they profit handsomely from the data you gave them access to.
I only use PP for their original purposes, but I do see legitimate good things added.
I find their crypto involvement progressive and in alignment with the original mission, especially because it empowers small businesses with secure cash flow options they would not have otherwise in economic climates where high wealth/credit score systems and rigged economies are designed to exclude most from participation.
I’m also active with several legitimate charities. PP has been very hospitable with efficient donation flow, paying a monthly percentage on balances, and so helping us to help more than we could have otherwise…way before and since Mr Bezos gutted his highly publicized, overrated, slow, low-ball smiley program, and the Go F…Me campaigns portending charitable intentions for those in immediate needs with cloudy transparency and shockingly high fees after we do all the fund-raising leg work with our contact lists.
If you feel harassed by too many “requests” allegedly from PP, be careful to confirm they are. There are an increasing number of scams and hacks (I’ve also been targeted by). Most are accomplished by compromising 3rd party provider security including email, internet, social media, and phone/text connections. Then they reach out with legitimate looking PP graphics, links, and communications, with various scenarios, utilizing unexpected pop ins, spoofs, emails, and texts, asking to confirm a purchase or “update” profile and banking info …to get yours. Never call the provided # or click on anything. Instead, call PP using real Customer Service contacts they provide from the secure site on a different device (or land line if possible) to confirm if it’s a legitimate contact/concern you want to pursue, and best advice if not.
Security leaks and scammers are all over the news. PP has been a leader in hacking/phishing/fraud prevention and scam alerts from its inception with many published articles about how to avoid them, and is still safer than most current medical, government, and banking databases, many already hacked.
This is exactly why I do not do direct deposit and only use PP for this work. Too many vulnerabilities amongst all these apps, companies, and takeovers and buyouts.
Already been burned, and am not interested in any repeats.
Some MSC’s state it takes longer to get paid by PP, but that’s not the whole story.
I’ve always received payment same business day as the MSC initiates the transaction, and if not, as a business owner myself who signed contracts and disclosures with PP, banks, and credit unions, I know what I signed and am much more careful about who I trust and the fees, timeframes, and minimum balances required to earn anything, if anything, on my funds.
PP pays a monthly bump regardless of the balance, charges lower fees, and confirmed that payment delays like this usually have 3 common roots:
1- payor/businesses doesn’t have/maintain “verified” PP account status with enough in the business account to cover disbursements to process our payments immediately. (PP also pays a percentage on their PP balances).
2- payor business doesn’t have a linked account to a bank with enough available to cover the payments to us upon verification and funds transfer, adding on time, usually on a Friday, so plus 2 “business days” allowing for the weekend down time.
3- payor has a contract with their connected banking/payroll system to include payment delays, allowing them more time …and “flexible cash” flow (PP and you and I have no control over).
In all 3 scenarios, PP cannot pay us what they do not have access to. If they did pay without vetting funds, we’d be facing the equivalent of NSF fees we’d have to eat, because as IC’s we are not entitled to pursue recovery aside from the lengthy process with their designated arbitrator, at out cost, plus other added fees and no monthly interest.
So, it is very possible to receive same day payment via PP if the payor business has set it up that way. If not, it’s similar to the time in transit + hold time to get cash from a paper check from your bank or “held” direct deposit ( 2-10 business days after receipt), as others involved earn interest on your money. Common legal business practice.
So, if your payments are slow, you have every right to be pissed off, but it’s not all on PP.
...ask SBP what time it is and you're told exactly how to make a watch. ROFL
Wow! SPB took a deep dive into this thread!
@purpleicee wrote:
I have not had any advertisement issues. No issues with my funds, ever. No issues getting timely assistance, ever. No problems using the free debit card. No issues making changes on my account. Now that I said that, I hope I do not have the issues others have experienced. Do not jinx me. lol.
I have had PP for around 30 years. Have had a debit card and a savings account with them. Have used them extensively for online sales and deposits. LIke you, I have never had an issue.
PP gets a bad rap. When I worked for an online service company, it was common knowledge that the most online scams and fraud attempts occurred through PP or FB. I don't think that has changed much.
I have also never had any issue with ads. Might be something else (are you clearing your browser cache frequently?).
Websites are not "slow". Browsers can be "slow".
@purpleicee wrote:
I have not had any advertisement issues. No issues with my funds, ever. No issues getting timely assistance, ever. No problems using the free debit card. No issues making changes on my account. Now that I said that, I hope I do not have the issues others have experienced. Do not jinx me. lol.
Well, here's how you break PayPal
1) Break your phone. Really break it, absolutely no chance it will ever turn on again 2) Sign up as a new customer to get a nice discount on a new phone. Sure, you have to tell everyone you changed your number but hey, free phone! 3) Attempt to log into PayPal from the new phone
This triggers a security feature requiring you to authenticate from the old phone number. You know, the one you gave up when your phone broke? Nope, no other option.
Now, call customer service because you can no longer access your account using your username and password because of the forced 2-factor authentication that is going to an outdated number.
I lost count of how many calls it took but I had one rep tell me that I should give up on my account and make a new one. Yes, really.
I had to keep calling until I reached someone who had been there long enough to know how to fool their system into forgetting that I had attempted to log in from my new device. It was a bizarre and convoluted path to regain access via "any device I had previously used to access my account". If I only ever used it via mobile? I would not have been able to regain access.
To me, it seems like the most online scams occur with Cash App and/or FB. But, that is another discussion.
@maverick1 - (No intended malice and with a smile) Have you forgotten how many investment journals you have written on this forum? lol
Once upon a time, about 20 years ago, I got an email that said it was from Paypal and I followed the links to sign in, only to find out that it was a scam. I called Paypal immediately, they froze my account, helped me change my password, we talked to my bank and got me new bank cards, and we linked my main checking account to my Paypal account.
They told me then to keep the customer service number handy in case I had any questions, and it's still in my contacts on my phone today. They also gave me the email address to send all of the emails that I'm not sure are ok, which is all of them. I also do NOT follow any links in emails anymore, not for Paypal, not from SS, not from my banks, not from grocery stores. If I get an email from a company that I need to followup on, I close the email and go to their website and sign in using my password with 2 factor ID.
I mostly don't get many scam emails, even the spam emails have let up some, but those go to my spam folder, so I don't see them often. I have zero issues with Paypal. I get my money, I never pay a fee, when I get paid, I transfer the money to one of my bank accounts, using the 1-3 days for free, with the exception of transferring money on the weekends (doesn't happen often), it never takes longer than overnight.
They told me then to keep the customer service number handy in case I had any questions, and it's still in my contacts on my phone today. They also gave me the email address to send all of the emails that I'm not sure are ok, which is all of them. I also do NOT follow any links in emails anymore, not for Paypal, not from SS, not from my banks, not from grocery stores. If I get an email from a company that I need to followup on, I close the email and go to their website and sign in using my password with 2 factor ID.
I mostly don't get many scam emails, even the spam emails have let up some, but those go to my spam folder, so I don't see them often. I have zero issues with Paypal. I get my money, I never pay a fee, when I get paid, I transfer the money to one of my bank accounts, using the 1-3 days for free, with the exception of transferring money on the weekends (doesn't happen often), it never takes longer than overnight.
Geesh, this thread sounds like a senior self help group with bad info... instead;
Go to a reputable place online for credible info on this subject such as Clark Howard podcast/YouTube.
Never, ever click on links inside an email unless you asked for that email to be sent to you from a known credible company representative.
Don't download apps from unknown developers.
Never use a debit card unless you can afford to lose all the money in the account it's connected to.
Etc , etc.
Go to a reputable place online for credible info on this subject such as Clark Howard podcast/YouTube.
Never, ever click on links inside an email unless you asked for that email to be sent to you from a known credible company representative.
Don't download apps from unknown developers.
Never use a debit card unless you can afford to lose all the money in the account it's connected to.
Etc , etc.
@purpleicee wrote:
@maverick1 - (No intended malice and with a smile) Have you forgotten how many investment journals you have written on this forum? lol
"Investment journals?"...
Oh, I haven't even scratched the surface on the topic of investments. No, I've quickly come to realize the intelligence level here. (No intended malice and with a smile) It truly saddens me how so many adults don't have the basics covered (meant in multiple viewpoints).
I try to share what education and life experiences I can succinctly and to the point. I also get to read the posts from others and interrogate their psychology. It's fun.
Then there are some who PM with me on a more serious basis.
Been using paypal since the ebay era......have had their debit card, and absolutely gotten their CC reader that you attached to your phone via the headphone jack in order to accept cc payment over the phone (if anyone ever remember that). Paypal may not be the most convivence 3rd party payment service out there, but at the same time, I often found myself to falling back to it compare to other services like venmo and zelle.....I never really had any "ads" from their web nor their app, and I also like the fact that I am giving out an email instead of my routing and account number for any ACH style money transaction.
I have been having friends that love using Zelle, but I just can't fall in love that that for the fact that it does not even have a webpage itself, only way I can gain access is via my bank account, and whenever ppl send me money, I have to "accept" the payment in order to get the fund, and til this day I can't find a way to submit my accept button, ever.
I have been having friends that love using Zelle, but I just can't fall in love that that for the fact that it does not even have a webpage itself, only way I can gain access is via my bank account, and whenever ppl send me money, I have to "accept" the payment in order to get the fund, and til this day I can't find a way to submit my accept button, ever.
I've had to get a new phone before (actually just about 3 weeks ago) I woke up one morning to my phone dead, powered off and wouldn't turn on no matter what charger I used/ tech tried. I didn't have to get a new phone number.
[
quote=Deedeezthoughts]
Well, here's how you break PayPal
1) Break your phone. Really break it, absolutely no chance it will ever turn on again 2) Sign up as a new customer to get a nice discount on a new phone. Sure, you have to tell everyone you changed your number but hey, free phone! 3) Attempt to log into PayPal from the new phone
This triggers a security feature requiring you to authenticate from the old phone number. You know, the one you gave up when your phone broke? Nope, no other option.
Now, call customer service because you can no longer access your account using your username and password because of the forced 2-factor authentication that is going to an outdated number.
I lost count of how many calls it took but I had one rep tell me that I should give up on my account and make a new one. Yes, really.
I had to keep calling until I reached someone who had been there long enough to know how to fool their system into forgetting that I had attempted to log in from my new device. It was a bizarre and convoluted path to regain access via "any device I had previously used to access my account". If I only ever used it via mobile? I would not have been able to regain access.[/quote]
[
quote=Deedeezthoughts]
@purpleicee wrote:
I have not had any advertisement issues. No issues with my funds, ever. No issues getting timely assistance, ever. No problems using the free debit card. No issues making changes on my account. Now that I said that, I hope I do not have the issues others have experienced. Do not jinx me. lol.
Well, here's how you break PayPal
1) Break your phone. Really break it, absolutely no chance it will ever turn on again 2) Sign up as a new customer to get a nice discount on a new phone. Sure, you have to tell everyone you changed your number but hey, free phone! 3) Attempt to log into PayPal from the new phone
This triggers a security feature requiring you to authenticate from the old phone number. You know, the one you gave up when your phone broke? Nope, no other option.
Now, call customer service because you can no longer access your account using your username and password because of the forced 2-factor authentication that is going to an outdated number.
I lost count of how many calls it took but I had one rep tell me that I should give up on my account and make a new one. Yes, really.
I had to keep calling until I reached someone who had been there long enough to know how to fool their system into forgetting that I had attempted to log in from my new device. It was a bizarre and convoluted path to regain access via "any device I had previously used to access my account". If I only ever used it via mobile? I would not have been able to regain access.[/quote]
@kisekinecro wrote:
Been using paypal since the ebay era......have had their debit card, and absolutely gotten their CC reader that you attached to your phone via the headphone jack in order to accept cc payment over the phone (if anyone ever remember that). Paypal may not be the most convivence 3rd party payment service out there, but at the same time, I often found myself to falling back to it compare to other services like venmo and zelle.....I never really had any "ads" from their web nor their app, and I also like the fact that I am giving out an email instead of my routing and account number for any ACH style money transaction.
I have been having friends that love using Zelle, but I just can't fall in love that that for the fact that it does not even have a webpage itself, only way I can gain access is via my bank account, and whenever ppl send me money, I have to "accept" the payment in order to get the fund, and til this day I can't find a way to submit my accept button, ever.
I'd stay far away from Venmo and Zelle until consumer protection is implemented.
"There has not been a single, decisive outcome from a "Zelle congressional hearing." Instead, the hearings have highlighted the issue of Zelle fraud, leading to increased pressure on banks and a lawsuit that was later dropped by the CFPB. Subsequent actions include Democrats in Congress pressing the banks for details on social media scams and the New York Attorney General filing a new lawsuit against Early Warning Services (Zelle's operator)"
@viv0412 wrote:
I've had to get a new phone before (actually just about 3 weeks ago) I woke up one morning to my phone dead, powered off and wouldn't turn on no matter what charger I used/ tech tried. I didn't have to get a new phone number.
I didn't HAVE to either but I did because the free phone promotion was only for "new" customers. Cancelling service and then signing up again qualified me as "new" but it also excluded porting my number.
@Deedeezthoughts wrote:
@viv0412 wrote:
I've had to get a new phone before (actually just about 3 weeks ago) I woke up one morning to my phone dead, powered off and wouldn't turn on no matter what charger I used/ tech tried. I didn't have to get a new phone number.
I didn't HAVE to either but I did because the free phone promotion was only for "new" customers. Cancelling service and then signing up again qualified me as "new" but it also excluded porting my number.
What you should have done is to transfer your permanent phone number to google voice, and then just keeps on signing up for new customer promotion and left the number that the carrier provide as burner number instead. All long as you have signals people can still call and text you with your google voice/permanent number
PayPal doesn't accept VoIP numbers, not even as a secondary.@kisekinecro wrote:
What you should have done is to transfer your permanent phone number to google voice, and then just keeps on signing up for new customer promotion and left the number that the carrier provide as burner number instead. All long as you have signals people can still call and text you with your google voice/permanent number
Neither does Zelle or Wells Fargo
Lol what never seen anyone complain about Paypal. Awesome app for me. I've got their debit and both their credit programs. All 3 I was incentived to join. Works even better when you connect to an online bank. Get your money pretty quickly.
Been with PayPal for 15 years, no issues EVER ! I use it on my laptop and my iPhone (your email is a back up for when you change a phone number). Love the company for the easy use and their "pay in 4" program (no fees, take 2 months to pay for it without any fees or interest) Totally confused on the complaint. I have NEVER seen any ads ????
Hope you're all knocking on wood as you boast that you haven't had any problems with them. You haven't had any problems YET. I was with them more than 10 years before my first issue and I didn't do anything like clicking a scam link to cause it. I obviously have an email address and I hadn't forgotten my username or password. They refused to accept any of it for authentication. My ID, answers to security questions... nope and nope. Heck, I have a credit card with them because I used to be an active seller on eBay and it was the quickest way to avoid holds on funds.
They believed that I was me, that wasn't the issue. The problem was that the employees aren't empowered to make decisions nor can they escalate to someone who is. They couldn't unlock it.
I had no idea that I needed to fire up the old desktop to change my phone number in my account BEFORE using my new phone or be locked out forever with no access to the funds stranded in the account. Who would guess such a thing? Nobody here seems aware so it could happen to any of you.
What other business behaves like that?
So, no, I don't trust them. I don't leave funds in the account. I use it only when there is no other option and as briefly as possible.
They believed that I was me, that wasn't the issue. The problem was that the employees aren't empowered to make decisions nor can they escalate to someone who is. They couldn't unlock it.
I had no idea that I needed to fire up the old desktop to change my phone number in my account BEFORE using my new phone or be locked out forever with no access to the funds stranded in the account. Who would guess such a thing? Nobody here seems aware so it could happen to any of you.
What other business behaves like that?
So, no, I don't trust them. I don't leave funds in the account. I use it only when there is no other option and as briefly as possible.
BTW, I had lots of accounts where I needed to contact and update my phone number without access to the old one. They were the ONLY company where it was a problem. I did a video call with one bank holding my ID up for them, that was the most any of them needed.
Deedeezthoughts, You never stated what the issue you had with them ???
I have changed laptops. iPhone, iPads and phone numbers (3 times).
I have changed laptops. iPhone, iPads and phone numbers (3 times).
@claabe wrote:
Deedeezthoughts, You never stated what the issue you had with them ???
I have changed laptops. iPhone, iPads and phone numbers (3 times).
Pretty sure I did but the short version is that my account was locked for logging in on a new device without having access to the old one. I know it seems ridiculous, it did to me as well. I entered my username and password, same as always, but got some message that for my own protection, I needed to enter the number they had just texted to (the old number). I'd never used 2FA with them, just username and password at that point. I called them thinking this is a simple issue with a simple solution, prove I am me and get on with the information update. Only it wasn't.
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