Showing posts with label paypal. Show all posts
A Christmas Surprise from Paypal
Surprised today when I received Paypal's email about my limited account. As what you all know with my Limited Paypal Account post and My Sad Paypal Story, I have funds on my account that I was unable to withdraw due to the limitations. These limitations are about my account information; they said they need more papers or proofs that I am legible to have one. Paypal said it would take 180 days for me to withdraw the funds, so that would be six months of waiting. But surprisingly, Paypal has been very gracious, I am still on my fourth month but just this morning, I received an email from them, check it out:
So what would you expect of me? I immediately logged in to my Paypal account, it was like a second process and there I was, facing the screen that shows my withdrawal page. I don't have a lot of funds but that was money out of James' hard work with his online job so we really need to withdraw it.
Thank God I was able to add my UnionBank account before so its one of the choices there. I selected it and then click on the withdraw button. I received the receipt right away as an email:
This would usually run for two to four days but as what James told me with his experience, it only took a day and he got his money right then and there. So I am expecting to get it by Thursday or Friday this week, hopefully!
Well then, thanks again Paypal and Merry Christmas!!!
My Sad Paypal Story
Let me share this sad story to you guys, this is all about my unfortunate experience with Paypal.
If you haven't known, Paypal is an e-commerce business which allows electronic payments and money transfers, so this is done over the internet. The account can be funded with an electronic debit from a bank account or by a credit card. This is really popular to those online vendors and among programmers who render services OTA (over the air).
I did sign up for a Paypal account sometime in March, 2010 for my boyfriend's use. I admit there were some user problems that time, I used my father's debit banco de Oro account instead of my own, thinking that it is okay as long as I can add an account to it. My boyfriend then had received a couple of payments from his employer from the US and he had sent it to my Paypal account, and we were thinking there was never a problem with it.
When we were about to withdraw the amount, the account then became limited. When I signed in to my account, I had this message here:
Or you can read my Paypal Account Limited post.
I then researched on the web on how to resolve it and if others had experienced this problem as well. Not surprising though because I had already visioned that many have this problem as well. Others were able to solve it by merely submitting documents and other papers to paypal. Others call paypal's customer service and there were some who wrote paypal and send it via email. In my case, any of these did not work. I tried sending a document, my driver's license, I sent them an email and explained about everything but there was no improvement. I received this email in return:
"from webform@intl.paypal.com to me
Dear jean Beltran,
Thank you for inquiring as to how to restore access to your account.
PayPal is constantly working to ensure security by regularly screening
the accounts in our system. We recently reviewed your account and 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.
To return your account to regular standing, please complete the
checklist items indicated when you login to your account and click on
the link provided on the "Account Overview" page.
The link will appear as: "Your account access is limited: Click here for
Details."
Once you complete all of the checklist items, our Account Review team
will review your case and send you an email with the outcome of the
review. Cases are reviewed in the order they are received.
We regret any inconvenience, and we would like to restore your access as
soon as possible.
Please do not respond to this email, as responses to this message will
not be answered.
Sincerely,
PayPal Account Review Team"
This email has been sent to me five times, woah...seemed like they're thinking I don't understand what they mean or something. Well, I never called them because that costs a lot of money. I even had opened a new EON account because according to my research, EON works perfectly with paypal. I was happy when I finally received my EON ATM card and added it on my account but still, there was no progress at all.
I let James send another email to paypal because with his case, he was able to resolve his account limitation without sending any document, just a mere email with "todo-todo" explanation and that was a two day process. So he then sent another explanation letter and resent the driver's license. At the end of the day, I received this email:
"from webform@intl.paypal.com to me
Dear jean Beltran,
Thanks for your email. We'll do our best to get back to you within 24
hours. It might take a bit longer (depending on the question), but we
try hard not to keep you waiting longer than 72 hours.
In the meantime, check out some of our online resources:
Help Center
- Find answers to common questions.
- Chat with our virtual customer service representative (if applicable).
- See what other people are asking.
To go to the Help Center, just click “Help” at the top of any page.
Security Center
- Find information on buying and selling safely.
- Report a problem with a transaction.
- Report fake emails or websites.
To go to the Security Center, just click “Security Center” at the top of
any page.
We look forward to helping you.
Sincerely,
PayPal"
I had some kind of hope that time, I thought I could get the amount now after all of those trials.(char) But just before the light of hope came to lighten my hopeless heart, I received another email and this one is heart shattering:
"service@intl.paypal.com
to me
Hello jean Beltran,
For the safety and security of the PayPal network, we often review accounts
for potential risks. After reviewing your account, we have decided to close
it because of security issues.
We are making every effort to minimize any disruption to your business.
If your PayPal account balance is zero, and you have no unresolved buyer
complaints or chargebacks, your account will remain limited.
-----------------------------------
Disbursement options
-----------------------------------
Option 1. If you owe refunds to any of your buyers, you can use the money
in your PayPal account to refund them.
To refund your buyers:
1. Log in to your PayPal account.
2. Click "Contact Us" at the bottom of any page.
3. Click "Contact Customer Service."
4. Under "Choose a Topic," select "Sending/Receiving Money."
5. Under "Choose a Subtopic," select "Refund/Cancel a Payment."
6. Click "Continue" and follow the instructions to refund payments.
Option 2. Money in your PayPal account will be held for 180 days. After 180
days, we'll email you information on how to receive your funds.
We regret any inconvenience this may cause.
Thanks,
PayPal"
Woaaah! There it is, after everything, the account has been closed. So that was the ending of my sad story, I would not be able to get the money anymore. I was already thinking on how to spend that amount but Paypal had just taken it away from me.
I really thought that was the end but it wasn't. At the last part, there was a note about what will happen if there is an amount of money on the account.
So I will need to wait for 180 days before they could send the information on how I can get the funds out of it. After 48 years, I will need to wait again for another 48 years to get that amount. Isn't it so sad?
EON now available, Paypal still a pain
Yesterday morning at 8:00 sharp, I received a short message from Union Bank Fuente branch, the message goes like this:
Hi Jean this UnionBank fuente branch. Wud like to inform u that ur eon card isnow ready for pk up. Thank u & have a nice day!
After 2 months, a couple of phone calls, four time personal visit and a blog post: 5th bullet on Things I hate about July, the ATM card is now available. I wonder why they sent me a text message instead of letting me call in and check for its status, maybe because they thought I have been into a not-so-good experience with their process. Imagine, the supposed to be two weeks wait for the EON card lasted for two months and 2 weeks. Phone call attempts using a land line has never been successful so I used my cellular phone to call them which is much more expensive than a Php 5 land line phone call.
Since I was tired yesterday, I decided to just procrastinate and go there the next day. So after my shift today, I directly went to the branch office. I arrived there at 10:15 and approached the front desk teller, she then recognized me and apologized for the delay. I just smiled(*maldita effect) and she processed the files. I signed the log records and the Release and Activation form. I proceeded to the accounting area to pay for the annual fee worth Php 350.00. The front desk teller then gave me my EON card and gave reminders such as to use the temporary password first and that I can only change the password after a successful withdrawal. She even explained to me that the bottom number is the account number which should be used when depositing to the account and the upper series of digits is the card number used for online transactions. I thanked the teller for it and got out of the office at 10:30. So that was real fast.
I was kinda hungry so I went straight to Jollibee Robinsons, on my way there, I came across a man who looks like a foreigner, two guys at the back are running after him and who are offering him a pair of glasses and were speaking in English. The foreigner guy shoke his head as a sign of refusal but the two seemed not understanding him, the guy then spoke and to I was surprised, he's speaking Bisaya pretty fluent. He told them: "Mahal ra kaayu ang Php 250, kahibawo ko fake na!" The two guys then stopped insisting and turned their way back. Hahaha.
I treated myself and ate my favorite Jolly spaghetti at Jollibee and went home after.
Super excited to change my paypal's bank account, I rushed to the cafe, (*Yes, I haven't subscribed to any internet provider yet so I usually go to cafes) and changed my bank account. I searched for the bank code because I have forgotten to ask the teller for the information. Thanks to the web, I will not anymore go back or call them to get that info, I just googled it and found it!
If you are looking for the same information, here it is:
| Bank Name | Bank Code |
| ALLIED BANKING CORP | 010320013 |
| AUSTRALIA NEW ZEALAND | 010700015 |
| ASIA UNITED BANK | 011020011 |
| BANGKO SENTRAL NG PILIPINAS | 010030015 |
| BANGKOK BANK | 010670019 |
| BANK OF AMERICA | 010120019 |
| BANK OF CHINA | 011140014 |
| BANK OF TOKYO | 010460012 |
| BANCO DE ORO (& EQUITABLE PCI BANK) | 010530667 |
| BANK OF COMMERCE | 010440016 |
| BANK OF THE PHIL ISLANDS (BPI) | 010040018 |
| CHINA BANKING CORP | 010100013 |
| CHINA TRUST COMML BANK | 010690015 |
| CITIBANK N.A. | 010070017 |
| DEVT BANK OF THE PHILS (DBP) | 010590018 |
| DEUTSCHE BANK | 010650013 |
| EAST WEST BANK | 010620014 |
| EXPORT & INDUSTRY BANK | 010860010 |
| FUJI BANK | 010640010 |
| HONGKONG AND SHANGHAI BANK (HSBC) | 010060014 |
| INTL COMML BANK OF CHINA | 010560019 |
| INTL EXCHANGE BANK | 010680012 |
| JP MORGAN CHASE BANK | 010720011 |
| KOREA EXCHANGE BANK | 010710018 |
| INTL NEDERLAND BANK | 010660016 |
| LANDBANK OF THE PHILS | 010350025 |
| MAYBANK OF THE PHILS | 010220016 |
| METROPOLITAN BANK & TRUST CO | 010269996 |
| PHIL BANK OF COMMUNICATION | 010110016 |
| PHIL TRUST COMPANY | 010090039 |
| PHIL NATIONAL BANK (PNB) | 010080010 |
| PRUDENTIAL BANK | 010150018 |
| PHIL VETERANS BANK | 010330016 |
| RIZAL COMML BANKING CORP (RCBC) | 010280014 |
| SECURITY BANK & TRUST CO | 010140015 |
| STANDARD CHARTERED BANK | 010050011 |
| UNITED COCONUT PLANTERS BANK | 010299995 |
| UNION BANK OF THE PHILS (UBP) | 010419995 |
| UNITED OVERSEAS BANK | 010270189 |
Hmmm... I guess there will still be a continuation about this post until I get a reply from paypal. To Unionbank-Fuente Branch: thank you!!!
EON experience
I apologized this took awhile for me to post this, but as promised, I have already applied for an EON account with Union Bank. James and I had applied for it together sometime last week of June, 2010. We then opted to go to Union Bank - Fuente Osmeña Branch. The branch is just small and there are only a number of people who does their transactions there. I brought with me two IDs, my company ID and my driver license ID. James had only brought with him his Voter's ID himself so it ended up that I am the only one who had applied that day. He then went back the next day to bring with him his SSS E-2 form.
The transaction was actually a piece of cake. The frontdesk guy gave us a form to fill up, it has only few fields in there so it only took maybe 3 minutes for me to fill up. After that, the front guy made a photocopy of my two IDs and attached it to the filled form. He told us to wait for two weeks and call their line to also check the status and in coming back to get the card, we need to bring Php 350.00 for the yearly fee. And that was it.
It took us almost four weeks to go back to the bank, we didn't even call, confident enough that the accounts are already available since it has been past two weeks since we applied for it. Unfortunately, the only account available was James'. I am very dissapointed because of the fact that I was the first one to apply since he just submitted the form the next day cause he lacked supporting IDs. The teller told me to call with in the week to double check on my account. I do hope I can get my account soon so I will be able to update my paypal account and get rid of the limitations.
I am already crossing my fingers.
Limited Paypal Account?
I am recently having problems with paypal. I could not withdraw money from it and it is because Paypal says my account is limited. They need me to send out billing statements which I am afraid I can't give because I am only renting here and my billing address for Smartbro has not yet been changed. Now, I am searching for other people's experiences, I have read soo many negative things about paypal. I am afraid my money will be stucked with paypal now. I could never imagine that.
This is the exact message I get when I signed in with my account:
Your account access has been limited for the following reason(s):
Our system requires further account verification.
(Your case ID for this reason is PP-000-946-880-189.)
The things I can only do for this type of account are:
- receive payments
- place logos into your auction listings or on your website
- update your account information
Only! Those are the only things that I can do with my account as of this time, I can't send or withdraw money. I can't even delete the cards associated with my account.
Reading back with paypal's requirements in order to resolved the limitations, I need to confirm my credit card and submit proof of address. And to confirm my address, I need to send them a copy of a bill that shows my name and address. Helpful documents include a utility bill, a cell phone bill, an insurance bill, or a tuition bill. As of this time, the only bill that I can secure is my smartbro billing statement, however, I recently moved to another location and my billing address has not been changed yet. So what should I do?
Dead air - I could not think of anyway to get rid of this limitation. I tried clicking on the resolve button for the limitation appeal, I have found out that there are actually two other alternative ways to provide info. They are to confirm my bank account and to confirm location. And to get the first alternative option done, I must reenter another bank account which I guess I can't do anymore. When I selected the other alternative option which is to confirm location, they would prompt me with a system unavailable error and I need to try again. I can't anymore count how many times I have appealed to try again but I am still getting that same error message. So I will just quit and try tomorrow.
I am so frustrated now that I think am gonna burst, I need the money in few weeks time. If ever you have experienced the same situation, I would greatly appreciate it if you would spend time and leave a comment here and help me with this problem. Thanks in advance!
