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PayPal Minimum Withdrawal Amount

PayPalI would say most people know about the maximum withdrawal amounts that PayPal has but they also set minimum withdrawal amounts too and the company doesn’t want you to know why they have them set so high, at least that is my experience. Asking why they have set these amounts so high has made me realise their customer service isn’t so great.

Backstory

I bought a subscription on behalf of a client which came to CAD$12, the client paid me back via PayPal.  So, I then attempted to withdraw that money to my bank account but received an error message stating I had exceeded the limits, didn’t mention “minimum”, but had to figure it out by groping around their system.  I reached out to the company to find out why they have the minimum withdrawal amounts, why they are so high and why it differs greatly from country to country (ie GBP£6 in the UK, CAD$15 in Canada).

  • Call 1: nobody knew about the minimum withdrawal amount so they decided to hang up on me
  • Call 2: nobody knew about the minimum withdrawal amount and they got into such a pickle over the phone I just said goodbye
  • Call 3: had problems with their phone system and got through to fraud for some reason, finally got someone who knew about the limits, told me to move money into PayPal to then withdraw $15. I told them this creates unnecessary red tape for a client and asked why they had the minimum withdraw amount, the only answer got was “those are the rules”
  • Email 1: didn’t answer the question
  • Email 2: replied with a lot of copy/paste messaging about irrelevant stuff I already knew but did say the minimum amount related to “integrity of our system”, didn’t know what that was supposed to mean, not really an answer.
  • Email 3: again didn’t answer my question and told me to phone in, however, given that most staff don’t know there is even a minimum withdrawal amount I thought this would be a futile effort and there is no reason why they can’t tell me over email.
  • Email 4: again didn’t anser my question, copied and pasted some fluff from their system
  • Email 5: yet again didn’t answer my question, copied and pasted even more fluff from their system.

Conclusions

  • There could be a perfectly legitimate reason why they have set this amount, even though the majority of PayPal’s competitors have set it at $1, but I can’t get that answer from the company, or more likely they don’t want to tell customers.
  • It actually takes 10+ days to transfer money into PayPal Canada in order for me to withdraw the $15 out, which is a nightmare really. Other platforms have faster “deposit from bank account” process.
  • If PayPal customer service cannot answer this simple question how are they going to perform at other, probably more important, questions?
  • People will, rightfully or wrongfully, assume they are holding onto these smaller amounts to maximise their profits
  • PayPal might be a great company with a good product and hard dedicated workers but these frustrating issues override any worthwhile things they might want to achieve.
  • There are many other companies that provide similar services to PayPal so it’s worth looking around for one that meets your needs.

Final Say

PayPal might be ok to deal if:

  • Any transactions you may want to withdraw quickly into your bank account are over the minimum withdrawal limit, the platform is not good for small amounts (as is often advertised).
  • You are not reliant on moving funds into them from your bank account quickly,
  • You don’t have to deal with customer service as they don’t appear to be particularly helpful in resolving matters.
  • PayPal have had a lot of media attention through their dodgy practices, been the subject of class action law suits and many unhappy people can be found online. Here is one frightening incident involving PayPal I picked up on:
By |2019-04-28T23:55:20+00:00April 24th, 2019|Customer Service|0 Comments

Worst Customer Service 2018

Customer ServiceEvery year I have reported on my worst Customer Service experiences, this is a summary of my bad experiences in 2018.  I seem to report the same companies year in year out who aren’t able to get their act together or at least don’t learn lessons from previous experiences. I’m not sure why that is, maybe they just don’t want to listen to clients or they are too big to be able to pull themselves together.

When it comes to Customer Service my expectations are as follows:

  1. Preferably I can resolve any issues via self-service through a website/online account.
  2. If I have to reach out to a company I expect that:
    1. I only have to call them once
    2. I don’t have to keep chasing them for an answer
    3. I don’t have to escalate to social media, or even worse the Better Business Bureau, to get them to do something about the issue

Sounds easy huh? Not for some companies.

Kaiser Permanente

I stopped doing business with them 18 months ago when we moved from the US to Canada.  I had many awful experiences with them when I was a customer I was so pleased to be shot of them.  All of a sudden this year I started receiving sales emails from them despite telling them to never contact me again. Of course, they don’t have any business in Canada so I reached out to them to find out why they had started contacting me and asking them to take me off the mailing list.  This episode went on for many weeks trying to get an answer from them to the extent that I had to report them to the Better Business Bureau.  They finally responded to the BBB comment but not only did they lie but didn’t answer the questions I had. So, the issue was never resolved but hopefully, they got the message and won’t ever contact me again.

HSBC

Again, another company who we consistently having issues with, the UK is much better than Canada and the US.

We closed our accounts in the US as we experienced some racism from one of the Virginia branches. We tried for over a year to get a safety deposit box here in Canada.  We went to multiple HSBC branches, some had availability and some didn’t. No one ever seemed to be available to take us through the “sign up and approval” process, not sure why we had to go through that, didn’t have that workflow with any other banks. So, this went on and on with promises of a call back’s and more, it never happened. Finally, we escalated to a manager who we were dealing with about something else. She tried to be as helpful as she could but it took weeks for her to get something going too by which time we were so fed up and dragged down by the process we just had to say we’d take our business elsewhere.  This should have been the simplest thing to resolve and I’m not sure why it was so difficult for them.

Hostgator

I used to host my website with this company and had multiple problems, in particular with downtime. I had so much back and forth with them I was never getting really helpful answers. They charged me for something they shouldn’t have done but fortunately they did resolve that, not without a bit of aggravation, but it was thankfully put to rest.  I just think this company take on more than it can chew with the number of customers on shared hosting plans that many sites fall over despite not reach the limitations of the plan they signed up for.  I’ve never come across a friendly and helpful person in this company, I wonder what the work climate in there is like.

Telus

Earlier this year Telus tried to sign us up for their cable package but there was so much confusion over the plan they were offering we decided not to go ahead.  I believe this was mainly due to Telus agents, companies that act on Telus’ behalf to sell plans.  We wanted to see details of the plan in writing with terms and conditions, I thought this was reasonable before signing up to anything.  This was not forthcoming from anyone, even Telus told us this wouldn’t be available until after we had signed the contract.  I found all this terribly bizarre and they wouldn’t supply me with what I needed to make a decision so we didn’t go ahead. It could have gone better for them. We have encountered some of Telus’ own salespeople at various events, to say they are aggressive is an understatement, although I do appreciate the company sponsoring so many good community events. There was one issue I had with them which was resolved very quickly, maybe they are improving?

Summary

It could have been worse, I know many people who are going through far worse issues with companies that I have, so I am thankful most of these are just annoyances rather than something more serious.

By |2019-01-07T23:33:30+00:00January 7th, 2019|Customer Service|0 Comments