For starters, You have to specifically sign up for Paypal credit. Not to be one to profile but I'd expect the sort of folks who do so are the same sort who would do Layaways through department stores. They typically weren't very solvent, didn't pay a lot of attention to their responsibilities under contract (instead looking at that glowing peach over the horizon and happily signing anything that will get them closer) and then when those obligations creep back up on them freak out like it caught them by surprise.
They also overwhelmingly want to blame everyone and everything else for their problems. "Gary of Washburn, Wisconsin" is a fine example. He misclicks when selecting his method of payment, choosing Paypal credit which he got at some point. Later discovers this error... doesn't entertain the idea that he was wrong for more than a femtosecond. I also love how he manages to make something so sterile into this gendered and political thing, typical of massive douchebags. Love the reference to "#METOO phony Liberal female" followed by basically saying "Well, I don't know what this lady's problem is when the guy I was talking to before totally admitted to breaking innumerable laws. If anything like that happened it was probably to get them to shut up for a second- I can only imagine he was ranting and raving about random nonsense during his phone call. "I want to speak to a MAN-ager, thank you very much, sweetie... hash-tag Lock her up"...
Actually I don't know much about Paypal credit at all but knowing it screwed this dude, and I already like it. I mean if this is *his* side of the story of his experience, I can't imagine what it really was to allow his side of the story to paint him as such a massive you-know-what.
Pay Pal is well aware of the issue. The link below is admission and they expect users to do the work of fighting off the scammers.
https://www.paypal.com/us/webapps/mpp/security/common-scams
IMHO Papal is in the driver's seat. They need to make security a high priority.
Yes, Somebody is trying to scam me. At first it was email. Now I get notifications in my account, but the notification directs me to a 866 number that does not belong to Pay Pal. How do the do that?
Paypal doesn't have "notifications" in the account. It can be set to send E-mail notifications regarding activity and Scammers have been sending out phishing E-mails posing as those sorts of E-mails for years. Paypal can not do anything about scams, but they can provide guidance to help people prevent themselves from falling victim to it. What do you imagine that Paypal can do, exactly?
The "scam" E-mails work by intentionally misrepresenting their origin and appearing like an E-mail from a legitimate source. Paypal can do no more than a Bank can to prevent that- spoofing the FROM: address is easy and duplicating the standard format from an actual E-mail isn't much harder. It's up to the recipient to determine if it is from a legitimate sender. This is made easier because illegitimate senders only want to hook the most gullible so their scam E-mails are rife with errors.
As far as responsibility goes, If I start sending Letters to people and putting your name and address in the FROM: field, is the "ball in your court" to stop me from sending them?
It's no different for Paypal, or any other company. Scammers create crappy, spelling-error-rife versions of typical notification messages from Apple, Blizzard, and any number of other companies and then send them out to large lists of E-mails hoping to catch the attention of somebody who isn't paying enough attention and thinks it is legitimate. They follow a link... it asks them to log in to "paypal" but is actually a phishing site, which fails but records their username/pass and redirects them to the real site, which works, then they see nothing wrong and figure it was just computers being weird. But they just gave away their login info.
