PayPal Credit Dispute

Sandyzoo

Hi all,
You might remember the RyanAir saga when flights were cancelled during lockdown #1.  Customers were forced to request a refund, enduring very long call waiting times to do so.  Even after that was done,, and the request was acknowledged, RyanAir, in fact, eventually provided a voucher, which could be redeemed against new flight bookings.  Although this seemed unfair at the time, I understand, however that this might well have suited some of their customers.  Unfortunately for those that it didn't suit, there was the horrendous need to wait in lengthy call queues again to make the same request for a refund.  I tried this a few times and eventually hung up each time.

The voucher didn't suit me at all, because I had paid for the tickets for a group using PayPal credit, and my 3 month interest free period was about to expire and start accruing interest!

One evening I saw Martin Lewis' tv programme and there was mention of this very issue, and the possibility of raising a dispute via your credit card.  So I did exactly this.  Raised a dispute via PayPal credit.  

PayPal were quite responsive and immediately removed the balance from my account and created an entry in the resolution centre.  To cut a long story short, I continued to make monthly PayPal Credit payments while the dispute was "under investigation".  I had no direct communication from anyone, but after some time I was notified that the dispute was closed and was settled in my favour.

While the dispute was ongoing (a couple of months roughly), my Credit Karma and CreditWise credit files showed a "Q" against PayPal Credit.  However after the dispute was settled, these were removed from the Credit Karma report.  They remain on Credit Wise.  I raised a dispute with Equifax, which was rejected because they stated that PayPal had said the information was correct.  I reopened the dispute, and it was closed again for the same reason.  I contacted PayPal by telephone, who advised me that this was normal practice and they would take no action.

I would like some advice if possible.  The important things, as far as I am concerned, are that:
1) It was I who raised the Query - nobody is disputing or querying MY financial activity
2) The dispute was found in my favour 
3) While the query was ongoing I continued to make payments

My otherwise perfect (I've worked hard for a long time to make it so!) Credit Records are now tainted because I dared to raise a query on a transaction.  I know that the actual score on credit files counts for little, but a "Q" looks bad.. and in fact on CreditWise it categorically states that my record is "Held Back" due to "queries or missed payments".

This issue, I assume, must affect many PayPal credit customers.  It seems grossly unfair. 

I would appreciate some advice about what I can do next.  I don't feel inclined to simply accept the status quo.

P

[Deleted User]

Credit Wise is just an Cap One version of a CRA. No lenders see it. 

You need to check your three real credit files.  However, a Q won't cause any issues for lenders.

Sandyzoo

Thanks.  I checked what it says on EquiFax - and this shows a "Q" for two months.

[Deleted User]

That's fine. It won't cause you any issues.

Sandyzoo

Thank you.  I do find that comforting... but I really don't think I will use either the chargeback or dispute systems again.  Why on Earth would this be recorded against my account!?

sourcrates

Sandyzoo said:

Thank you.  I do find that comforting... but I really don't think I will use either the chargeback or dispute systems again.  Why on Earth would this be recorded against my account!?

Because you raised a query, that`s why, its just a status marker, nothing more.

Thrugelmir

Sandyzoo said:

Thank you.  I do find that comforting... but I really don't think I will use either the chargeback or dispute systems again.  Why on Earth would this be recorded against my account!?

In order that systemic abusers can be easily identified.