Plaid is terrible-- it's forced me off AirBNB as a guest

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Plaid is terrible-- it's forced me off AirBNB as a guest

I spend hours searching for the right resort property-- only to find Plaid force me to change passwords on 2 bank accounts, logging in both times through this company that has settled a $58 million dollar class action lawsuit for misusing private banking data, only to be told that it 1. could verify my bank, and 2. could verify me, but 3. can not verify my data-- at Chase?   And another big, legit banking institution.  

 

I suffered a giant time suck over $150 for security purposes.     Plaid's "partnerships" are like a virus designed to take down companies like AirBNB relying on it for "security"....   And let's not even unpack the Help menu for phone support...  It could not be more comically terrible.  Wait, let me send you a link on your phone to read before I tell you.  I'll wait while your do your homework in "your happy place"... seated on the toilet, enraged.

 

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1 Best Answer

I almost left, too. There is no way on God's green Earth that I would share my bank login and password with anyone.

 

I called AirBnB customer support, and after a bit of the usual well-this-is-how-we-do-it-now, finally the support person told me Plaid is not triggered if the customer uses PayPal.  I opened a PayPal account with the very same cr card I formerly used to book, and found that this works to bypass Plaid at AirBnB.

 

In the mean time, I will be keeping my eye on other booking agencies, as I'm now distrustful of AirBnB decision making,

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21 Replies 21
Amy3034
Level 1
Littleton, CO

use Google Pay and it will let you put in your credit card info and you won't have to go through Plaid.

Zheng49
Level 10
Toronto, Canada

I turned on instant booking again recently. 

 

So far no bad guests yet. Maybe Plaid is helping to ward off bad guests...

 

I would say Plaid verification is a double edge sword though. Good thing you can still bypass if you use paypal instead. 

 

Edit: Just read about Plaid some more. Seems like Airbnb is basically conducting a credit check on you when you pay with credit card. That does seem like it will filter out some bad guests which is potentially good for hosts that are taking instant booking. 

 

I imagine if you have bad credit history then when you try to instant book, and pay, your request will be denied. 

 

I don't really want to defend Airbnb, but you are literally going into someone else's home, so Airbnb filtering out some potentially bad guests may be good.

 

Edit2: Doesn't seem like Plaid will be used if you are paying with credit card, probably it's only used for debit card transactions since it describes making a small deposit 2 times to verify an account. 

Kamil138
Level 2
New York, NY

I was able to use Google Pay with my Chase card and not use Plaid. I guess Plaid is used when directly using credit card.

William2333
Level 1
Long Beach, CA

Wow, we spent a lot of years with Airbnb. But I literally can't get through the Plaid system, much less being willing to give them all my info. 

 

Will be using VRBO from here on out.

Mike3209
Level 1
Breckenridge, CO

Anyone else having an issue with this new Plaid platform asking for your username and password to your credit card accounts??  AirBnb support team initially told me that my credit card company (Chase) is requiring the use of the Plaid Platform.  I called Chase, and they said nope, not them requiring that info, AND they said it would be silly of me to share my **bleep** username and password with ANYONE under any circumstance..  I called AirBnb back and they changed their tune......actually it is NOT required by Chase, rather it is a platform AirBnb is now using to verify your credit card and authenticity.   To which I say, HORSE POOH.  More and more issues with AirBnb than are worth the hassle......will only be listing my property on other websites into the future.  Who is in charge at AirBnb?  Not ONE LICK OF COMMON SENSE.  Too bad, and very costly for your investors.  Bye-bye.  

I completely agree with all of you. Plaid is the most insane thing Airbnb has ever done. ..why are they trying so hard to go out of business! People are not going to play along…In this day and age , they are crazy to think other wise. Did plaid just have to pay $58 million law suit…go figure. VRBO or others here I come

I've been going in circles all afternoon with Plaid. This is ridiculous! 

Chase138
Level 1
Oshkosh, WI

The level of information requested is insane. I don't want AirBnB to know my entire transaction history, the balance and interest rate of my mortgage, and all of my account balances. It is not acceptable.

 

I was able to get around it with PayPal, but this is my last time using AirBnB if this system remains in place.

I was able to book using Google Pay. I was immediately alarmed by this Plaid service. 

I almost left, too. There is no way on God's green Earth that I would share my bank login and password with anyone.

 

I called AirBnB customer support, and after a bit of the usual well-this-is-how-we-do-it-now, finally the support person told me Plaid is not triggered if the customer uses PayPal.  I opened a PayPal account with the very same cr card I formerly used to book, and found that this works to bypass Plaid at AirBnB.

 

In the mean time, I will be keeping my eye on other booking agencies, as I'm now distrustful of AirBnB decision making,

David11444
Level 1
Pocatello, ID

Just ran into this today.  I had booked a couple other properties in recent days and all of a sudden it wanted me to give my credit card login info to book another property today.  Not happening.  I was glad to see your reply - I did the same thing with PayPal and it worked.  If I am forced to do Plaid or not use AirBnb I think I will stop using AirBnb.  There is no way to convince me that giving my credit card account login to another company is in any way good for me.

Joanne828
Level 1
Washington, DC

@Lynn1706 It's good to know that PayPal helps people bypass Plaid when trying to book through Airbnb.  But I resist using PayPal too, so for me that isn't a solution.  Right now the only solution is to use VRBO or look for other ways to find decent housing when I travel.  But I will absolutely NOT use Plaid, it's got "inappropriate use of data" and "scam" written all over it.

This is the 3rd time being kicked off because of Plaid. However it gets worse when you talk to someone at Airbnb reading a script and telling you that it’s your fault, because their unable to talk or communicate properly. Customer service has gone out the window, as the old saying says, don’t try to fix what isn’t broken. Sometimes free advice is the best advice, Airbnb needs to go old school, throw your computers away, and learn to communicate again. 
customer service makes your profit, not Plaid, especially a company that disregards laws, procedures and your customers. It’s sad that between two large companies like yourselves, and there still isn’t any customer service.

Bhumika
Community Manager
Community Manager
Toronto, Canada

Hi @Barbara2985 , @Lynn1706 has made some suggestions about creating a paypal account above. It is worth giving it a try. Do let us know if you are going to try it out!

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Doug1047
Level 1
Gaithersburg, MD

It's so much worse than that. Plaid settled a lawsuit in 2021 because they "obtained and used bank account credentials and financial information without consent."

 

https://www.reuters.com/legal/litigation/fintech-firm-plaid-agrees-58-mln-deal-end-privacy-case-2021...

Linking your payment method with Plaid gives them completely unfettered access to *all* your personal account and transaction information. Why on earth has Airbnb partnered with such a privacy-invasive company with a horrendous track record of respecting consumers?

Joanne828
Level 1
Washington, DC

This is what I want to know as well! I've been an enthusiastic user of Airbnb for years now, and felt issues I had were handled well.  But this is bizarre and feels financially like the worst idea ever for customers to have to use a company already settling lawsuits for "obtaining & using bank account creditials and financial information without consent".  

As soon as it asked me to log into my bank account to "connect" accounts that I never wanted connected in the first place, I was out.  

I'm so disappointed, I truly have enjoyed using Airbnb and this will absolutely end my bookings if there is no legit workaround developed.  And for me, PayPal is not legit.  If you've never had a problem with my cards and I've been a customer as long as I have, requiring me to book through a crooked company that will "connect my accounts" when I don't want anyone else connecting anything is invasive, puts my financial data at risk, and there is no way this is going to happen.  I hope you find another solution Airbnb, because this is awful!

Bhumika
Community Manager
Community Manager
Toronto, Canada

Hi @Lou3675,

 

I am sorry to hear about the issues you faced.

Did you manage to get in touch with Plaid's Customer Service to get more information about the issues you were facing? Or did you hear back from them?

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Sarah1307
Level 2
Provo, UT

This is not a helpful response. I have used Airbnb for years and years and don't know how many bookings I have made. I will not contact airbnb or Plaid about this. Why should I spend my time? There is no chance that I will connect my account or enter my bank credentials. It would be more helpful to say, I'm sorry this new policy has caused trouble, or is making you never want to touch airbnb again. 

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Plaid is terrible!!!! What is the point of that function? Every single other place on the planet can just take your card information and be done with it. AirBB need to terminate that relationship with extreme prejudice. 

Peter3754
Level 1
Queen Creek, AZ

Nope AirBnb and Plaid support total **bleep**ing joke, told by AirBnb that they opened a 3-5 day case and they will contact me which is total bull**bleep** and waste of my time.  Plaid has no customer contact # that is easily found.  

 

Guess Vrbo gets my money from now on.