1. According to Pinoymoneytalk.com, that a notification about a limited account access from "Paypal" can actually be a phishing e-mail. In this site they defined this kind of e-mail as "Phishing emails, also known as fake or spoof emails, are designed to direct recipients to a fraudulent website where they are asked to provide personal information. These information are then used for identity or credit card theft."
These phishing e-mails can either ask you to: click on a link or download something.
The solution according to their post can be done in two ways.
A. If you are able to log into your PayPal account:
1. Log in to your account at https://www.paypal.com
2. Select the “Resolution Center” subtab.
3. Click “Open a dispute.”
4. Select “Unauthorized transaction,” then click “Continue.”
5. Enter or select the transaction ID for the transaction you would like to dispute, then click “Continue.”
6. Complete the report for Unauthorized Use on a PayPal Account, then click “Continue.”
7. Confirm that the claim is correct, then click “Submit.”
If you cannot log in to your account:
1. Go to https://www.paypal.com
2. Click on the “Security Center” link located at the bottom of any page.
3. Under the “Report a Problem” column, click on “Unauthorized Transaction.”
4. Click “Continue” under “Unable to log in?”
5. Confirm that the transaction in question is unauthorized then click “Continue.”
6. Complete the report for Unauthorized Use on a PayPal Account, then click “Preview.”
7. Confirm that the claim is correct, then click “Submit.”
8. Confirm your account ownership by entering the financial information requested, then click “Continue.”
If you have time, I really suggest you click on the links of Pinoymoneytalk.com and read the articles in detail. It will help you a lot because it helped me.
2. You should also be wary on sites you visit to get information. Make sure you have set up programs such as Web of Trust to tell you which sites are safe to go. While going through the sites where I can get information, I received a notification from McAfee and Web of Trust that the site below may contain harmful content which prevented me from opening the site. I was surprised because this site is in the top ten sites you will encounter once you research on Paypal Problems in the Philippines.
3. Lastly, a site named Yugatech.com also lists also other horror stories such as Paypal account being locked down which was defined as "unexplained Paypal account cancellation without refund". What struck me is the word "NO REFUND". To read more about this horror story visit the site. Anyway, I think this is really one of those worst-case-scenarios. So I read the comments and it seems like the audience are a bit torn. Some expressed their hesitation in using Paypal, some felt strongly on why people should not use Paypal; while others are saying to avoid this mess all you really have to do is to have your account verified which takes you a couple of minutes as soon as you get the 4-digit code for that Paypal verification.
Nuggets of truth I learned:
1. Get yourself protected from phishing e-mails, spoof emails, unsafe sites, etc.
2. Verify your account e.g. credit card, EON card, bank account, etc in Paypal as soon as you can.
3. Do not delay action. The longer you prolong your problem with Paypal the harder it will be to get help and if you have a substantial money in your account you must act really fast or it might be possible that those funds will be frozen for years or just disappear.
4. Do not let big amounts stay in your Paypal account. Withdraw them as soon as you can. One comment suggests withdraw your money once it reaches 100 dollars. For me, you have to decide what amount you can be comfortable to lose just in case you become a victim of those horrific Paypal problems.
So far, I have encountered issues such as transferring funds to their Xoom and EON cards as well. I think it's worth exploring what these avenues are and how they are connected to Paypal. So till then, see you in my next blog.
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