PayPal Credit Card Complaint

Credit determination

PayPal Credit card department,

Credit determination Kansas

On -/-/2015, I received a letter from - - Bank - Paypal. They state that the letter is in response to a request to open a PayPal Credit account, and that their records show that I requested to open an account or to make a purchase using the PayPal credit payment method on -/-/2015. They say they can not approve me for the following reason : My credit bureau indicates a freeze on inquiries. First of all, I opened a PayPal Credit account well over a year ago. It has a $ - line of credit, and their system states that I have about $1700.00 available credit. So they are obviously not turning down the line of credit. Second of all, I never attempted to make a purchase via PayPal Credit on -/-/2015 or even used a credit card through their system on that date. Moreover, I have had a freeze on my credit bureau for close to - months now, have made prior purchases on the PayPal credit system without them pulling a new credit bureau, so even if I had attempted to make a purchase through PayPal, I have no idea what they are talking about or why they sent me this letter.

PayPal customer in Kansas
May 22, 2015

* Source: CFPB Complaint Database

PayPal response to complaint:
Closed with explanation

Created with Highcharts 4.2.3PayPalComplaint HistoryComplaints10/20132/201411/20144/20155/20156/20157/20158/20159/201510/201511/201512/201500.511.522.533.5Source: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3PayPalCredit determination86.7%13.3%Closed with explanationClosed with non-monetary reliefSource: Consumer Financial Protection Bureau
Created with Highcharts 4.2.3National AverageCredit determination12.4%9.7%1.0%1.0%2.3%73.2%0.4%Closed with non-monetary reliefClosed without reliefClosed with reliefClosedClosed with monetary reliefClosed with explanationIn progressSource: Consumer Financial Protection Bureau

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(408) 967-1000
2211 N 1st St
San Jose CA 95131
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