Please explain the trouble you see with my account(s). If you are unable or unwilling to explain the problem so that I can discuss it with you or mediate it then you can expect to lose my future business.
I am not entirely ignorant of fraud prevention systems. However, leaving that aside, let me translate your response, which I've been given twice:
You've used the PayPal service to conveniently pay your rent every month for a few years. For reasons we cannot tell you / don't know ourselves you will only be able to continue paying your rent every month through Paypal by paying a 16.00 USD fee every time and putting your rent onto a credit card, which you must then immediately pay off. (Assuming the credit card bank does not treat that as a cash advance and charge
another fee). PayPal does not see this as a problem worth working on because it benefits them financially.
Unless you dispute that, I believe our business is concluded.
On Jul 27, 2009, at 4:56 PM, <email@example.com> wrote: Hello [adric], I really do apologize for the inconvenience that it has caused you. Please do understand that we have an Internal security program that looks at each transaction individually. This program looks at what transaction have a potential problem attached to them. This has nothing to do with your credit rating, limit nor the available funds on your bank (credit) account. It looks at the transaction from a pure statistical basis. When it triggers not let the transaction go through with your credit/debit card (bank account). Unfortunately, we don't have a way to turn it off since it is a self-regulating program. But you can still send the payment using a different funding source like through your bank account (if applicable) or your credit card. Again, this is for the security of your Paypal account. We want to safeguard you from any possible problem that might arise if we allow this to go through."
Dear Ben Knowles, Thank you for contacting PayPal. Hello my name is Criselda. I am sorry to hear about this situation, and understand your frustration and concern regarding the trouble you're having in sending a payment. The Instant Transfer feature had been blocked by our security model for the $550.00 USD transaction. I can neither give you detailed information as to why our security system has blocked this transaction nor am I able to override or manually change the security settings. Please understand that even though we always aim at processing all transactions immediately we still have to take standard security measures. We therefore employ complex statistical models to identify transaction patterns that are out of the ordinary. This is similar to the way banks and credit card companies work when approving individual transactions. When a payment is blocked, this is not reflection of you or your account activities but rather fits a pattern we have observed in the past to have a higher risk of failure. We regret any inconvenience this may have caused and would like to ask you to initiate the payment at a later date or use another funding source. The available funding sources for the transaction are your credit card and eCheck. We know situations like this can be difficult, so thanks for working with us. If you have more questions, visit our Help Center by clicking "Help" in the top right corner of any PayPal page. Sincerely, Criselda Consumer Support PayPal, an eBay Company