PayPal denial without inquiry, weird.....

Anonymous · ‎10-29-2015

So I apped late last night for the PayPal card, between 1:30 and 2:00am. Got a denial message and then the email came right after with the info as to why I was denied.

This is their reason:

This letter is in response to your recent request to open a PayPal Credit account. Our records show that you requested to open an account or make a purchase using the PayPal Credit payment method on 10/29/2015.

We regret that we are unable to approve you for the service at this time for the following reasons:

Certain elements of the transaction vary significantly from typical customer purchase behaviors due to the risk associated with this type of transaction, as well as the time of the day of the transaction.

So apparently the time of day as to when you app is a factor in the credit decision. So I apped again during regular business hours and got this denial:

We regret that we are unable to approve you for the service at this time for the following reasons:

Unfortunately, since we already have an application on file for you that we declined, we are unable to approve this attempt to open a PayPal Credit account.

They didnt HP or SP me, just a decision based on the time I apped. Anyone else have this happen to them with PayPal or any other creditor??

Anonymous · ‎10-30-2015

Sometimes when I app for things, the pull doesn't show up until the next day, sometimes 2 days.

CreditCuriosity · ‎10-30-2015

weird denial reason being time of day and outside normal of what you were trying to purchase.. This is new at least to me. There is a good chance you didn't get hit with a HP if their system was programmed to auto reject before pulling credit for an application that feel outside their paramaters.. You can try again in 30 days if you didn't get a HP or even if you did and stilll want the TL.

Anonymous · ‎10-30-2015

Actually, I wasn't even trying to buy anything. I was just applying for the card. Just clicked the apply now button and fill out the form. Almost instantly after I got the submit button, I got the denial message on the screen followed quickly by the email containing the reason.

Anonymous · ‎10-30-2015

Instant denials with no pull frequently mean blacklisted.

Anonymous · ‎10-30-2015

Being blacklisted doesn't make sense since I never had a PayPal account and their denial reason was specifically stated in their email to me.

Anonymous · ‎10-30-2015

@Anonymous wrote:
Being blacklisted doesn't make sense since I never had a PayPal account and their denial reason was specifically stated in their email to me.

The reasons stated in denials are quite frequently meaningless. Who is the underlying issuing bank?

Anonymous · ‎10-30-2015

Comenity. And I already cards through them. Kind of weird but just wondering if anyone else had a similar experience with them or any other lender.

Anonymous · ‎10-30-2015

@Anonymous wrote:
Comenity. And I already cards through them. Kind of weird but just wondering if anyone else had a similar experience with them or any other lender.

Instant denials without a pull can also happen if a lender believes you are at the maximum exposure allowed.

Anonymous · ‎10-30-2015

True, but if that was the case, I wish that would be the reason stated for the denial.