I was a new user to eBay and PayPal and bought my first item. I would consider myself pretty sophisticated in my business knowledge, so I must tell the world my experience. I registered my credit card with PayPal as I was told and went to pay for my item bought on eBay.
For some mysterious reason, it declined my credit card. Hmmmm, I wonder why? It was not on my end. So I called eBay on my own nickel, and they told me that their computer randomly selected me to have to enter a second credit card and it would be OK. (I'm getting really suspicious.)
After entering my second credit card, I tried to pay for my purchase and it would not process through PayPal. Well, I know my cards are good and tender. Then I called PayPal back and was told that I needed to enter my personal checking account information so they could "verify" that I am a real person. What a con! But in good faith, to honor a purchase, I did just that, and they sent two small amounts into my account so I could "verify."
I was then told by PayPal that after doing this I would have the choice to pay by my credit card by going to "alternate paying preferences" and choosing my credit card. Well, I think we all know by now what happens: it kept my checking account as the default payment and would not let me pay with my credit card.
I complained to PayPal (John, ID #7632, who is supposedly a supervisor), and he told me they had no control over how their computer randomly picks people to pay for a purchase. It just happened, John said, that I had to pay through my checking account. I kept telling John that they misrepresented payment methods to me prior to my setting up this PayPal account and should disclose that this may be a problem for customers.
Anyway, after reading other reports from others online, I now know what a scam PayPal and eBay really are. Not to waste any more time with this "John," I finally closed my account.
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