Paypal takes EVERYTHING - Please help me, Warriors : (

Did you talk to them on the phone?

Do you have a credit card? A cell phone with a monthly plan? Your own apartment?

All of these require a tap on your credit. It's weird that they say you have no credit score...

Wait are you under 18? That could be it... Maybe get a cc in your and a parent's name. Just have like a $200 limit on it. That's how I started my credit.

Ya bro that's what it is. Your not allowed to get a credit card until you are 18. It's to protect you when you're a minor.

I would try to get a credit card on your own. Most cc companies love people like you. Just try to get a really low limit because it's not free money even though it feels like it.

That will establish your credit presence.

You are looking at a hard situation and I hope it works out for you. Just try the route of explaining what is happening once you get your cc sorted out. Once you've done that if there is still no joy, then don't just give up. Rebuild, even if you have to take a week to gather your strength. However, you know already that you have a system that works. If one part of the system stops working just change that part.

I can imagine that it is emotionally taxing though.

But do you think Paypal would let me use them again? I can't imagine doing the IM things I do without paypal.

I think I would drive to Omaha Nebraska. After I got a CC and bring all my information and papers. Of course I dont know if they allow people to come in to their offices, probably not?

I can't do ANYTHING on my account right now. The issue is that my SS is not listed with their credit card processors they use to verify. Also, how do I go about buying services here when everyone has paypal links?

Sorry to hear about your situation. Hope it can be resolved soon. 2checkout is another alternative to paypal

Quit saying can't Everything I said in my post above is not theory it's true. Green Dot, Peoples Bank. Your in.

On the subject of buying things, you can use Another Greendot card to buy anything you want. PayPal accepts CCs without you having an account.

u can take this money due to limitation after six month from limitation date.....
othewise u can provide all the things required by paypal..

I'd suggest not using PayPal anymore. They are becoming ridiculously stupid in terms of demanding information (I'm surprised they don't have people submit thumbprints and do eyescans, although possibly they want to). Paypal is not the only game in town, although they may the most well known. It's sad most people voluntarily jump through these ridiculous hoops (if they didn't, paypal would go out of business).

Check out alternative payment processesors, especially smaller ones who don't have such ridiculous and extreme requirements. One such one is taketwosolutions.com.

There are about 10-15 other alternatives to PayPal that you can use.

- J

As a side note, I'm guessing the reason the two $300 days triggered it is because starting next year Paypal has to report any income over $600 to the IRS.

This is exactly the problem when using a 3rd party processor like paypal. You become completely dependent on their draconian company.

Thousands of people have had paypal problems as seen in this forum PayPal Sucks Forums as well as all the many other forums out there.

SOLUTION: GET YOUR OWN CREDIT CARD PROCESSOR / MERCHANT ACCOUNT!!!

You can have your own merchant account within 24 hours, which are CHEAPER than paypal btw!

Here are some links for you

Credit Card Processing, Payments | Intuit Merchant Services (My favorite from the makers of QUICKBOOKS!)

Credit Card Processing, Merchant Accounts, Accept Credit Cards

PayPal Alternative, Alternatives To PayPal, Merchant Account, Accept Credit Cards Online - Home

You can even charge monthly your subscription fees.

Hope this helps...

First off, they didn't "take" everything.
It's on hold and you'll be able to get it once you've met their qualifications.
Paypal is a bank...and asking for pre-existing credit isn't exactly evil.
If you walked into a car dealership and got denied I doubt you would be surprised.
You just turned 18 and you're considered a risk to *any* financial institution.

Truth is...You have no credit. Your SSN doesn't even exist in the system yet. That's not Paypal's fault. It's also not your fault. It's simply your current situation.

Here's what you need to do:

Get a credit card.
The easiest ones to get are Department Store cards like Macy's, GAP, etc.
Use it for a small purchase, then pay it back in full 1 month later.
After paying, wait 1 month.
Call Paypal back and ask them to reconsider.
Ta-da....your account is reopened.

In the meantime, try using Clickbank, 2Checkout, Plimus, good friend's Paypal account, etc.

Sorry for the drama...but it's not permanent. You've only been sidetracked for 2 months. Get ready for many, many more business sidetracks.

Yeah Sons Of **** so i was making a transaction in another country for a big launch potentially earning me $$, a lot!!, then i find out that they have temporary limited my account. What is this, frustration like never before, even after i validated gave them everything, the still havent changed the status. Looks like it is time to find another merchant.

Brandon,

I would do three things:

1) Call PayPal. Be VERY calm. Do NOT argue with them (no matter what they say). Ask what your options are. Ask their advice. Make a note of who you speak with -- get their name.

If that doesn't work, write a letter explaining the situation and pay $15 to send it via Express Mail. Don't e-mail! Dig a little. Find out who the top people are and send it to the appropriate person (you need someone with the power to overrule the flunkies).

2) Get a credit card. I don't know if "prepaid" credit cards report to the credit bureaus or not. I would ask. If they do, then you might be able to get one of those VERY quickly.

If not, apply for a bank credit card or store credit card (like JC Penney or Sears).

3) Do you have a parent with a PayPal account? (Or a parent with credit who would be willing to set up a PayPal account?) That could help in the short term.

Hang in there! It will be OK. The good news is that you are now 18 and CAN get a credit card of some sort.

Regards,

John

Get a secured Visa. Wells Fargo and US Bank offer one.

You'll have to open an account and put cash on deposit that backs your credit limit.

Take a maximum cash advance against the card. Hold the cash for 30 days, then pay off the entire balance with the cash you've held in your checking account.

DO NOT SPEND THE MONEY!

Do that for 6 months solid.

Then get a free credit report and check your FICO. Should be good to go.

Find out from Paypal which credit bureau they get their reports from. Make sure to go after cards that report to that bureau.

Thread starter: Please keep us posted on this. It's a horrid situation that I hope you are able to overcome. All my experiences with PayPal have been positive, but freezing your money and shutting you down is just brutal. If it were me I would have someone open an account for me. Someone I trust like a family member, etc, and do business through that account.

Thanks for your input everyone. The problem is that this isn't a temporary limitation anymore, now there are no suggestions to "resolve" it in the resolution center. I called by phone and one employee said I could likely get the account back by establishing credit and trying later, while another said "the decision is final" (whatever that means) and that there was nothing I could do.

Dang this is a hot topic! Good luck with your outcome. As long as you don't give up you will be fine.

Hey Branlan17 it seems that you are in big problem as you have lost all your money about $300 which is a big amount. As you have mentioned in you second post that you are not 18 years old so i am sure that this is the reason why paypal limit your account, they have taken these steps just to secure you when you are a minor. It would be better to wait till you are 18 and then provide them all the proofs.

I've heard about these issues with paypal and I've wanted to get a merchant account for that reason as well as due to the fact that from time to time, for reasons that neither paypal nor my host company can explain, people have problems using their credit card at the checkout at my site.

I've had a couple of 300 dollar days but only when I've ran sales. However, the amount of money I make regularly has been steadily increasing(took in $255.00 bucks yesterday). So if paypal just starts freezing people's accounts due to making more money, I definitely need to look elsewhere as this can prove to be absolutely devastating.

I will be researching the sites that have been provided here.

How can you be in the US for a time, and have NO credit score!?!?!? YEAH, you can try building a credit score, but I imagine it will take at least 6 months before they will be willing to look at it favorably. It takes about 2 YEARS to fill up most areas.

If you JUST turned 18, you are lucky they even talked to you. A lot of this stuff is just too tolerant.

BTW if you want GOOD credit, here is a way....
DON'T apply for more than 2-3 credit cards every 6 months AND, if one declines you, it may be good to layoff for 6 months, though you can try to get them to reconsider.

REASON? 4+ inquires is looked at as a BAD sign, and they want to see a new account for every inquiry. I was actually turned down once for having ONE inquiry! When I called them and pointed out the new account, I got the credit!

DON'T get credit than can have a minimum payment over say 30% of your yearly income.

They don't want your total CURRENT debt to be more than 30% of your income.

DON'T use more than 30% of the available credit.

They don't want you to use all your available credit on ANY card.

SHOOT for maybe having 5 cards.

They want to see a fair number of accounts. I know 12 may be too much.

With any luck, you can get a REALLY good score. I used what I have heard, and my own experience to develop those guidelines. Like I said, MOST bad things roll off your FICO in about 6 months. MOST items only have 2 years of history. Things like bankruptcies and public reports may be there for SEVEN years!

BTW debit cards and prepaid cards might not report. And you probably CAN'T get a merchant account! THEY generally check credit ALSO! When I got paypal pro, wells fargo DID run my credit! BTW THAT is what is known as an inquiry. Rental car companies ALSO run inquiries!

BTW credit card companies OBVIOUSLY run inquiries also. I don't know how to start that, though having a bank account should certainly help. MY credit probably started when my father cosigned for my car. We were BOTH FULLY responsible for the payments, so they could use the BEST score to determine credit. Payments, or lack thereof, affect BOTH reports. I paid on time, so I built good credit.

Steve

Brian, I had the same exact problem, banks like chase or BOA have high school checking accounts, basically the same as a regular cc but some fees are lowered. Just go to your local bank with your parents and ask to sign up a high school account

Get a merchant account which is super easy to do and take charge of your own finances!

Just open a new account using a pre-paid CC.

It isn't difficult, many have done it.

As to people talking about credit... Well I don't know where you got this information from. If PayPal said it somewhere they were bluffing, as I know for a fact they are happy for people with terrible credit records to have merchant accounts.

Just go to the post office and get a pre-pay card, go home and open a new account. Simple as that, and it takes less than a day. I know because I have done it, PayPal know I have done it and are quite happy about it.

Go fix it.

Hi All,

I got a PM RE: Which peoples bank I'm talking about. It's PEOPLES BANK

George Wright

I've had 2 accounts frozen with paypal. The last time with over $10,000 that I needed to pay affiliate commissions. Their "canned" reply to my emails took 2 days to get back to me each time with no help whatsoever. Just a mention of their terms stating no mlm or proxy type programs where I was running a simple 1 level affiliate program. They didn't want to know. It took almost 2 months before they would release the funds!

They stink. If you're using them with a small-ish turnover they're fine & well known for your customers etc. But as soon as you start taking in larger amounts MOVE to a merchant account.

Just get a independent visa card companies that you can get paid Cost about $19/month much cheaper than Paypal. Paypal is not good over $500-1000/month sales/ Just my 2 cents

Also consider starting a corporation. Corporations are legal separate identities from yourself. You can apply for accounts in the corporations name, not yours.

However, that doesn't stop credit grantors from asking for your personal information if they choose. I don't know paypal's stance on that issue.

I think legalzoom advertises their services for incorporation for a couple hundred bucks.

Brings up a good practice I try to follow whenevewr possible. I link my long term order liks to a rediect. That way I can change the final link without changing other pages leading to it.

Rick

Well here's the PayPal toll free #: +1-888-204-4481 & +1-888-221-1161

At this # you will be billed: 1-402-935-2050

Feel free to call them and speak to them about your issue.

You can use Skype for making toll free calls if you're in any other part of the world other than US.

This will remain as one of the BEST threads on dealing with PayPal related transactions for me EVER!