PayPal has issue me a debit card MasterCard which is issued by XXXX. PayPal states that this is the only " instant access '' to the funds in my account. When I try to use the debit card, I get a decline with every transaction. I then have to call into the PayPal debit card department and they will temporarily fix the issue. Each call to PayPal takes approximately 30minutes. And with each call I am informed that there is not fix to this problem. I have been told that is is because of receiving funds through paypals payflow merchant processing service. I also took advantage of their working capital loan and they told me it was because I have that money in my account. In either case, they are not doing what they state they do, they are not allowing me instant access to my funds. Sometimes I get a decline message only to call their debit department and find that they are closed for the day. Which leaves me stranded with no access to my funds. 
The interesting part is that they block me from my own funds even when I attempt to use the PIN number yet when my loan payment is due they always are able to automatically withdrawl their payment from my account. 
