PayPal Bank Account Or Service Complaint

Other bank product/service Account opening, closing, or management

PayPal Bank account or service department,

Other bank product/service Account opening, closing, or management Arizona

RE : EBAY ITEM - I am having a problem with the billing for this item. When I checked out at purchase I was given - billing options. I very carefully selected the '18 months, no interest billing option. This is very clearly shown on this auction listing. However, when I received a purchase confirmation from PayPal credit the payment terms were stated as '6 months '. I understand that PayPal credit does not normally currently offer promotional financing longer than 6 months. I presume this was a 'black Friday ' special promotion. That is why I completed the purchased at that time. I have spoken with PayPal credit, PayPal and Ebay several times. I forwarded to PayPal credit a screen shot of the listing showing the payment terms. On -/-/2015, PayPal credit initially told me that I did not qualify for the 18-month payment terms. This was not what communicated to me in any way when I checked out. I have instances where a transaction could not be processed by PayPal credit. I know what those messages look like. I would not have confirmed the sale for any other payment terms. I actually could have purchased the exact same item elsewhere for less money at 6 months, no interest. Upon further contact PayPal credit stated I did not select 18-month terms at checkout. I most adamantly state that I did. I believe changing the terms of a sale after close is a fraudulent business practice.

PayPal customer in Arizona
Dec 27, 2015

* Source: CFPB Complaint Database

PayPal response to complaint:
Closed with non-monetary relief

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