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PayPal indefinite limitation?

Discussion in 'Ebay' started by Shazlow, Dec 24, 2015.

  1. Shazlow

    Shazlow Newbie

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    Hello,

    I created a PayPal account in my grandmothers name - basically she is a stranger to me and I cannot get copies of her utility bill or passport (else I wouldn't have the limitation)...

    I won over £1300 at on online bookmaker (betting) and withdraw it to a paypal account I created in my grandmother's name.

    I attached my bank account in my name and withdraw £1350 to my bank account (This has worked before on another PayPal account).

    I made sure I changed my IP address ad cleared cookies before logging in to my grandmother's account.

    After 48 hours the £1350 withdrawal was reversed from pending and returned to my PayPal balance.

    Guess what?

    PayPal limited this account!!!

    So I was in a difficult situation as they asked for a utility bill and bank statement in order to remove the limitation.

    I could provide the bank statements but they were in my name - not my grandmother's.

    I could not provide a utility bill.

    I thought about editing a utility bill of my own to my grandmother's name and address.

    I did not as I was too scared to be arrested for fraud. (I did not know if PayPal have technology to detect counterfeit utility bills, or maybe they check her name in their system and find it does not match)/

    Anyway...

    I thought the best thing to do is call them out...

    As soon as I called the limitations department the man said the account isn't mine due to it being in a FEMALE'S NAME AND I AM A MALE!!

    After the phone call, I logged back in to my account to find the the 'limitation cannot be appealed against'!

    I did not receive any emails about this - and I no longer had the option to providethe utility bill and bank statements - the man must have permenantly limited my account!!

    After days of reading online, I called PayPal back and spoke to another man who said my account is 'high risk' and that I can withdraw my £1300 after 180 days.

    I said I had no email to confirm this. So he sent me this email:

    DEAR XXXX

    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 minimise 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.

    Yours sincerely,
    PayPal


    HOWEVER!!!!!!!!!!!!!!!!!!!!

    Although it says your money will be help for 180 days, I am worried that PayPal will still want a utility bill and bank statement in the name of the account holder in order to release my money after 180 days.

    If I still cannot provide them with this information to prove I am the named account holder, I worry that they will keep my money forever due to EU anti-fraud regulations!!!

    If someone knows a way to get my money back please help!

    Thank you.
     
  2. Shazlow

    Shazlow Newbie

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    OK so I have just refunded £1350 back to my Bet365 gambling account

    The refunded says completed on my paypal account and £1350 has gone from my paypal balance (Even though my account is limited - it was nice to see the £1350 disappear from my limited PayPal account)

    HOWEVER

    It is still not showing in my Bet365 account?

    Now either it takes time for their system to credit my Bet365 balance or £1350 is stuck somewhere either in PayPal or Bet365 systems?

    I have contacted Bet365 live chat who were not very helpful

    They said they will contact their technical payment department

    If they find it, they may just send it straight back into my PayPal account and I'm back to where I started

    Or ideally they will credit my bet365 balance with £1350 I can lay off in a betting exchange and slowly get my money back through lay bets
     
    Last edited: Dec 24, 2015
  3. youmakeme

    youmakeme Power Member

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    Kiss your money goodbye in this case. Paypal is notorious for doing such things to get 'free money'. Do you have any idea how much money they have in their bank for limiting account? What you can do now is to refund back to bet365 and write to bet365 that you have refunded them from Paypal.

    But you will face another issue. As Bet365 can only allow withdrawal from where the money originally comes from. Which in this case would be paypal. That begin said, the rules only states that you would need to refund the exact deposit amount back to your original source of funding. Anything above aka profit can be returned through wire transfer or other payment mode.

    So in any case, you would still lose your deposit portion of money. Hope this info helps.
     
  4. Shazlow

    Shazlow Newbie

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    That is not a problem...

    Because if the money goes into my Bet365 balance, I can slowly transfer the £1350 by placing lay bets at an exchange. It won't take long to lose all of the £1350 in Bet365 into the exchange.

    Another problem may be if Bet365 ask for verification just like PayPal - I cannot provide this. So, they will limit and close my account just like PayPal.

    In this situation, my only option would be to wait 180 days and then contact PayPal and see what they need in order to release my money.

    I have still not received the £1350 refund in my Bet365 balance despite my PayPal saying refund 'complete'.

    Maybe it takes time? I hope it's not stuck in limbo between Bet365 and PayPal payment systems!
     
  5. natmicon

    natmicon Registered Member

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    Paypal should let you collect after 180 days. You have to send them a formal letter requesting they release the funds. I have gotten funds from stealth accounts (yeah, obviously not so stealth) many times this way.
     
  6. Shazlow

    Shazlow Newbie

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    Even if the name of the PayPal account is not your real name, and the bank accounts linked to the PayPal are in your name, but do not match the name of the account holder?

    Do PayPal scan utility bills with anti-fraudulent technology? So if I edited a utility bill in photoshop, they can see it is real and release my money?
     
  7. asap1

    asap1 BANNED BANNED

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    Someone provides a service where they can get you fake docs to verify your account.

    If you waiting 180 days then you would only be able to withdraw the money to a bank account in the same name as the name on the paypal account.

    I dont have the link but someone provides a service for this stuff.
     
    Last edited: Dec 24, 2015
  8. Shazlow

    Shazlow Newbie

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    Have I just donated £1350 to PayPal? :(

    Hope the Bet365 refund shows in my account balance soon...

    If not I'll have to call PayPal and ask them where my refund went - is it still stuck in their system?
     
  9. Shazlow

    Shazlow Newbie

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    Bet365 also have money laundering systems like PayPal - so if you deposit with PayPal to Bet365, you have to withdraw to PayPal - it is a closed loop payment system to avoid laundering.

    I did not money lauder - I just signed up an account in my grandmother's name (who I don't really know) to take advantage of their promotional sports betting offers.

    If the money goes into my Bet365 account, I will be able to place lay bets at an exchange and eventually the money will go from Bet365 into the exchange. You need to know about matched betting to understand this though...
     
  10. natmicon

    natmicon Registered Member

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    I wouldn't recommend editing utility bills for anything tied to a bank account that has your name on it. You've also already messed up and called them as the account holder for a female account. However, at the end of the 180 day period, you should be able to request either a check or withdrawal into a US bank account. Checks wouldn't work for you since you can't cash it. They have never asked me for identification at that point even though most of my accounts were closed for verification of account holder. Most banks don't care that the names are a mismatch for deposits (only withdrawals).
     
  11. Shazlow

    Shazlow Newbie

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    Are you talking about virtual bank accounts?

    I live in the UK so may not qualify for a US bank account?

    If I am unsuccessful, maybe there is a service that can withdraw the money for a 20-40% cut?

    I would rather pay 20-40% for such a service than end up with no money at all!

    Also don't want to get scammed though...
     
  12. natmicon

    natmicon Registered Member

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    Sorry. If you're in a paypal supported country and not trying to withdraw from Nigeria or whatever, it's fine. They will typically only withdraw to the bank account linked prior to the account being limited. There are people who deal in paypal unlimiting but you should understand that all these services involve explicit fraud.
     
  13. Shazlow

    Shazlow Newbie

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    After 180 days, can I withdraw my PayPal balance automatically to my bank account, or will I need to contact PayPal and provide them with a utility bill/photocopy of passport etc?

    If it is not automatic, I obviously cannot provide these documents so my money will be stuck in PayPal forever?

    I just hope the money goes back into my bet365 balance soon before I have to start calling both PayPal and bet365 to see where this missing money is.

    Have I committed fraud by refunding the £1350 from a limited PayPal account to my bet365 account (which is an online gambling account)?

    This is so complicated and I just want to get my money back.