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PayPal is unethical
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I opened a line of credit with PayPal Credit for $2,650.00. I successfully purchased a laptop using this PayPal Credit line on September 4, 2018. I have the email confirmation from the merchant to prove it was approved. I had to cancel the transaction because of delivery issues. I have since tried to use the PayPal Credit line multiple times and have been denied every time even though my entire credit limit is available. I called PayPal and the supervisor I spoke to (Daniel) on 9/7/2018 advised me that I was being denied use of my PayPal Credit line because I was a new customer and I needed to establish history (this was a theoretical reason as the supervisor could not confirm that precise reason). I have since tried to use the PayPal Credit line to purchase items under $20.00 in total to attempt to begin this purchase history. They have all been denied. I am in no uncertain terms furious that PayPal has opened a line of credit for me but has effectively made it impossible for me to use. This is the very height of deceptive and unethical business practices. I have never had such a negative experience with a credit provider in my 25 years of using lenders and credit providers. Further, because of this interminable delay I have lost days of freelance work wages and there is no way to be advised if or even when this credit line will be made available for actual use. This entire experience has been incredibly frustrating and infuriating.
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